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 What is the Cheapest way to improve a credit score by 90 points by the end of the year? |
Preferably without getting in more .debt
Additional Details
I have a 610, with no latefee's or bad marks on my score.
I just have a high debt to available ratio. - 70%... |
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john m | How long does a ccj last? |
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MSMORTGAGE
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6 years legally, although they stay visible when you want credit or a mortgage for many moons, even if you pay it, it still shows. |
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mart8171
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If you're in England, six years, then it's removed from equifax and experian files (and from the register of ccjs) whether settled or not.
You can only get a ccj removed if you have settled it within one month of the court hearing.
If you settle it after this it gets marked as 'settled' but you have to wait the full six years for it to disappear from the records.
Here's the link at Registry Trust Ltd (the people that keep the records of ccjs) :
http://www.registry-trust.org.uk/FAQs/tabid/53/ItemID/21/getscroll/false/Default.aspx#21
Sorry sammydog_uk (above), www.debtmatters.co.uk isn't specifically approved by the government, they just use government legislation and charge a fee :) |
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ben b
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I think about seven years. debts are legally written off after six years. |
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sam g
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i think if you pay it off in the first 6 months of getting one it can be erased straight away but if not its with you for 7 years |
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Steve
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6 years and a day provided the creditor hasn't contacted you within that period, or so I'm told. |
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paul s
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They normally stay on your file for about 7 years however if you have paid the debt you can request a form that says the debt has been settled and I believe you can then get it removed |
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churchls0904
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At least 4 years but will remain in your history forever. You can always improve your rating with sensible banking and Savings |
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Studly
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Don't you wish people would do just a research before they answer these questions? These guys are not even in the ball park! Do you even know what the questioner is talking about??????
If you are referring to how long they will show on your credit report...they stay on for 7 years from the date of the judgement.
If you are asking how long the judgement can be collected on, that will depend on the state you live in, so I can't give you an exact answer. But in many states, there is a set time period from 5-10 years.
In Michigan, for example, the time period is 10 years. At the end of that time the judgement expires. But if the creditor files a motion to extend it before the 10 years is up, they can extend it for another 10 years. In effect, a Michigan judgement can last indefinately.
Some states limit renewals to 3 times. Others don't even allow them. So you need to do some homework, or let me know and I'll look it up for you. |
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sammydog_uk
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They're usually cleared in 5 years - if you're struggling to pay stuff then speak to someone at your local Citizen's Advice bureau or try this website, it's government approved: http://www.debtmatters.co.uk/tv_adverts.html |
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