Can You Remove a CCJ From a Credit Report?
When a person has debts that are unpaid for a certain time despite several collection efforts done, he may be in danger of facing lawsuits, and this can happen anywhere or in any country he is from.
If you are a UK resident and you have debts that are unpaid, a civil suit may be brought against you and judgment can be made which can remain in force unless the debts are paid or six years have expired.
This will have an effect on the person's credit ratings although it will not rule out completely the person's capability to acquire credit.
CCJs often are the result of court summons that are not taken seriously or these summons are just ignored.
The ignorance of people with court procedures often lead to these summons just taken lightly.
However, the debts can still be paid in full even after a judgment has been made and a certificate is issued within 28 days of the date of judgment, otherwise the CCJ will stay on the debtors file for 6 years.
If the debts are paid, it will only be fair that the CCJ is removed from your file.
If you also have an incorrectly registered CCJ against you it will only be fair to have this removed.
A CCJ can be requested for removal when the summons was posted to an incorrect address or the judgment posted also to this same address, thus these were not received.
When the debts are settled within 28 days and the CCJ is still registered into your credit file, it will only be fair to have this removed.
When your name is used by another person to get credit and a CCJ is issued because of this unpaid debt, you can appeal for the judgment made and have the CCJ removed.
There can be several reasons to appeal for the judgment made and have the CCJ removed.
It is important to note that if you have a CCJ issued against you it will not deter your capabilities to obtain credit or have a mortgage.
However, if you can really get these credit and mortgages you may be imposed the higher interest rates because of the risk involved, and these things can be understandable.
There are also some creditors who will ignore CCJs that are more than 2 years, especially if debtors have shown evidences that payments were made.
This is probably because of the recent economic situation and lenders are looking for business, thus loosening a bit.
However, debtors will still be charged the higher rates.
When you have a CCJ removed it is just like informing credit agencies that the debts are paid and the terms of the CCJ are fulfilled or you may have it on appeal because of some reasons.
However, regardless of having it removed, the information in the CCJ will still remain and may even show up in your file.
However also, it will show on record that you have fulfilled the terms and this is the reason that you had it removed.
If you are a UK resident and you have debts that are unpaid, a civil suit may be brought against you and judgment can be made which can remain in force unless the debts are paid or six years have expired.
This will have an effect on the person's credit ratings although it will not rule out completely the person's capability to acquire credit.
CCJs often are the result of court summons that are not taken seriously or these summons are just ignored.
The ignorance of people with court procedures often lead to these summons just taken lightly.
However, the debts can still be paid in full even after a judgment has been made and a certificate is issued within 28 days of the date of judgment, otherwise the CCJ will stay on the debtors file for 6 years.
If the debts are paid, it will only be fair that the CCJ is removed from your file.
If you also have an incorrectly registered CCJ against you it will only be fair to have this removed.
A CCJ can be requested for removal when the summons was posted to an incorrect address or the judgment posted also to this same address, thus these were not received.
When the debts are settled within 28 days and the CCJ is still registered into your credit file, it will only be fair to have this removed.
When your name is used by another person to get credit and a CCJ is issued because of this unpaid debt, you can appeal for the judgment made and have the CCJ removed.
There can be several reasons to appeal for the judgment made and have the CCJ removed.
It is important to note that if you have a CCJ issued against you it will not deter your capabilities to obtain credit or have a mortgage.
However, if you can really get these credit and mortgages you may be imposed the higher interest rates because of the risk involved, and these things can be understandable.
There are also some creditors who will ignore CCJs that are more than 2 years, especially if debtors have shown evidences that payments were made.
This is probably because of the recent economic situation and lenders are looking for business, thus loosening a bit.
However, debtors will still be charged the higher rates.
When you have a CCJ removed it is just like informing credit agencies that the debts are paid and the terms of the CCJ are fulfilled or you may have it on appeal because of some reasons.
However, regardless of having it removed, the information in the CCJ will still remain and may even show up in your file.
However also, it will show on record that you have fulfilled the terms and this is the reason that you had it removed.
