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remove CCJs |
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| CCJs
Removal |
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CCJs removal means informing credit
reference agencies that the terms of the
CCJ have been taken care of and there
are no outstanding payments. However,
you will not be able to remove any kind
of information on CCJ from your credit
history before at least six years.
What Is A CCJ
County Court Judgement or CCJ refers to
a judgement that is made against either
an individual or a company for debt or
arrears in the county court. Normally if
a CCJ is paid off in totality within a
month of the date of the judgement, it
will not show in the credit register.
CCJs are recorded in public records and
they stay there for 6 years with the
Registry Trust. If it takes more than
thirty days for a judgement to be
settled, it is recorded in the public
records and affects your credit history.
Necessity Of CCJs Removal
Having a CCJ does not necessarily mean
that you will not be able to get any
more credit. However, it will be having
some kind of effect on your credit
score. Any individual having a CCJ
record will be viewed by the lenders as
someone who has not been able to meet
his obligations in the past and thus may
not be able to do so in the present
also. Thus, CCJs removal is essential.
Most CCJs result from court summons that
have not been defended. This can occur
when the defendant is not to sure about
the course of action that he needs to
take to solve the situation. This way
the court passes a default judgement.
The individual is thus victimised
without too much fault of his own.
For a quick CCJs removal, you will need
the following documents - the original
summon, the name of the plaintiff and
the court name. Another important
requirement is the case number. If you
do not have the accurate case number,
the court will not even look at your
application. Thus to ensure CCJs removal
in a smooth manner, you must have all
the required documents ready. |
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