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;
however the CCJ will stay on file. This is partly because a request for the removal of the CCJ has never been issued. Simply because whoever
received the judgment did not know that it was necessary.
If a CCJ is set aside or reversed (This can take place by appeal or settling the outstanding arrears within one month), the courts will automatically
remove the entry from the Register of County Court Judgments.
The details below are required to process the removal of a CCJ:
# The name of the plaintiff. This will usually be the creditor
# The Case Number. This is needed in every instance as without the case number the court will not even consider an application.
# The original summons.
# The name of the Court.
Getting a CCJ Removed
Firstly, you will need to obtain a current copy of your credit file. This copy can be requested via the internet, or by written request from one