 How to improve credit score |
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 What would help my credit score more? Pay off some collections, or pay down credit cards? |
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 Planning to marry? |
I am planning to marry my long-time companion
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| I heard that it helps w/ debt to income ratio...I had a few cards, paid some off & transferred balances..now I have two, One w/ a balance on a 0% card & one that is paid off, but still open &... |
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 Capital One Platinum Visa credit card? |
I have a capital one Planity credit card, they gave me a $2000 limit, I'm a college student. My interest is around 20%.
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 Help - A collection agency is trying to strong arm me!? |
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 Would open up a new line of credit, i.e. credit card, loan, etc. hurt my credit score? |
| My current credit score is mid-500. We are planning to purchase our first home in the near future.... |
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puma | How do i find out if i have ccj's against me? |
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claimbankchargesback
 |
You need to get a copy of your credit file, which will show these.
There are 2 main credit agencies in the UK, experian and equifax. Both of these hold your credit info, and are the ones used by lenders.
If you have a CCJ, it should be on both reports, so you only need to check one company. You need to wait at least 30 days past the date you think you would have got the CCJ.
You can get a copy of your credit file from each company through the post for £2, using a Data Protection Act request. Details on how to do this are on the relevant website below for each company. This gives you a copy of your basic credit file.
If you want a full copy of your credit file pretty much instantly, you can buy it through the web site of each company, but it will cost you more, and there are various packages available.
Experian are currently doing a free credit report. You need to sign up to their credit file services with a credit card, but you won't get charged until after 30 days. So you can get a copy of your credit file, and then cancel your subscription within 30 days over the phone, and you won't get charged anything. |
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Jean-Luc
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Would suggest you probably have 'cos youre asking. What havent you paid? |
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JOHN F
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As suggested by some ,have acredit check done on yourself.Also you can apply to the courts for that information in the area you live or lived in at that time.. |
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Studly
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Lots of bad answers.
For starters, it's extremely possible to have a judgment and not even know about it. Creditors love to falsify court process services when they can't locate the debtor. They don't know they are being sued, and end up getting a default judgment against them.
Credit reporting services do not always list every judgment you get. They also have a poor track record for matching the judgment to the person it belongs to. So this is also not a very reliable method of finding out if you have a judgment.
You need to contact the court clerk for the county you live in, or where you last lived. For example, if you lived in Florida and may have had a lawsuit against you, but you moved to Ohio, it would have been filed in Florida. To be absolutely certain you don't have a CCJ you need to contact the courts. |
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electric_dress
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It will all be detailled on your credit report. Experian have a free 30 day trial at the moment, otherwise there's some good advice for amending a bad credit report at themoneypages.com - CCJs typically last for 5 years on your file. I would hazard a guess that if you have got CCJs, then you'll know about them because you would have had post: bailiff's letters, court judgements etc - the most common way you have them against you is unpaid council tax etc. |
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dels replies
 |
I would have thought you would know that as court orders would have to be served on you. |
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andyjh_uk
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Seen as CCJ means County Court Judgement, it would mean that the company who asked the court for the judgement would to have to have notified you it was doing so and once the judgement was served they would have served notice for the money or goods and failing you paying then they would have sent Bailiffs to remove goods to the said amount plus cost from your home. If none of that happened you don't have any.
Which doesnt mean you've got a good credit rating. |
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Zzyzx
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Every state is different. Your best bet is to contact your county recorder/clerk/auditor (title varies) and run a check on your name. |
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no n
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whats a ccj? |
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babysmallpo
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county court judgement
www.equifax.co.uk - you can order your credit report |
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Former Banker
 |
Judgements, levies, etc. are public information, which means they will show on your credit report. Or contact your county clerk's office. |
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Kevin C
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run your credit |
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