Is it possible to get my CCJ removed from my credit record?
Summary: This article reviews when a CCJ may be removed from an individual’s credit record.
A County Court Judgement, or CCJ, may be issued by the county court to an individual who has failed to repay a debt, for example a credit card or a loan and they are basically a court order demanding repayment of the amount owed. They are recorded on the credit record, and can have an impact on obtaining future credit. A common question asked is, can it be removed from the credit record. As a general rule of thumb, they can only be removed if they have been discharged, or were submitted in error. Shown below are examples of when a CCJ may be removed from the record.
Repay the amount stated in the CCJ immediately.
If the amount owed is repaid within 30 days of the CCJ being issued, then the details should be removed from the credit record immediately. If it is not, then the individual should contact the credit it agency to request its removal.
Obtain a certificate of satisfaction.
This is usually issued when the debt is repaid, but after 30 days from its issue. While this won't remove the fact from the credit record, it will confirm to potential future creditors that the amount has been repaid in full. Provided it has been repaid, details will be removed altogether after 6 years.
It may be that some of the details on the CCJ are incorrect, such as the amount. In these instances it is possible to have the judgement set aside, although there may be a fee for this and there has to be a good reason. Furthermore, this won’t stop the CCJ altogether, but delay it while the creditor has to resubmit the paperwork.
Should I use a Credit Repair Company?
There have recently been concerns over the practice of some less put able companies claiming they can repair an individual's credit rating. This is because they can ask the individual to effectively lie, in order to get information removed. The Office of Fair Trading (OFT) have warned that some of the information these companies provide is misleading, and they are unable to do anything the individual cannot do themselves.