How You Can Remove A CCJ And Repair Your Credit History
When a person is unable to pay his creditors, a civil case can be brought to the County Court in England and Wales, or the Sheriff Court in Scotland. The court can make a judgment (or a decree in Scotland) against the debtor that then remains in force until such a time as the debt is paid.
Although having a CCJ(s) on record will not rule out the ability for an individual to get credit, they have to be considered in the context of the application as a whole. The lender may view the individual in this case as someone who has been unable or unprepared to meet obligations in the past and therefore this may reflect there ability or intention to do so in the future. For this reason the importance of removing a CCJ is evident.
Most CCJs are the result of an undefended court summons. This can often happen as the defendant is not aware of the correct course of action needed to resolve the situation. In this way, the court will enter a judgment by default.
The Central Registry will then pass the information about the CCJ to the credit reference agencies. Debts to a specific creditor can be paid in full;...
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