Wednesday, August 02, 2006

 

CCJ

CroCop said...
Upon clearing personal arrears, I understand that you are able to contact yourselves and ask for the information to be amended or removed (?). How, if possible, would someone go about removing a CCJ from the record?

Jill:
If you have paid the CCJ (County Court Judgement) within one month it will not appear on your credit report. If you have taken longer to clear the debt, then the CCJ will stay on the record for six years from the date of the judgment. If you pay off the debt go back to the court with proof of payment and all the records will be updated to show the CCJ as satisfied, which will mean that potential lenders will view the CCJ as less serious than if you had left it unpaid. It will automatically fall off your report after 6 years.

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