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SASH_Law, Lawyer
Category: Law
Satisfied Customers: 1552
Experience:  LLB (Hons)
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How can I get CCJ's removed from my credit file? Assistant:

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Hi, how can I get CCJ's removed from my credit file?
Assistant: Where are you? It matters because laws vary by location.
Customer: London UK
Assistant: What steps have you taken so far?
Customer: I've paid of 2 out of the 4 outstanding CCJ's
Assistant: Anything else you want the lawyer to know before I connect you?
Customer: I'm need my credit fixed so I can make a mortgage application

Hi, I'm Lea

How long have the CCJ's been on your file?

Customer: replied 6 months ago.
They range from 2 - 5 years

CCJs remain on your credit reports for a period of 6 years, even if they have been settled. Though if they have been settled, then the credit file is marked as such - i.e. that the debt no longer exists and has been paid for. But the markers remain on your file until 6 years, at which point they drop off and are no longer visible or accessible by those searching your credit records.

Some mortgage companies will be prepared to take a pragmatic view about settled debts, so it may help you to use a mortgage broker to find a mortgage.

I understand this might not be the news you wanted, but it is accurate.

Please accept and rate positively as that is how I am credited for my time.

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