09 Mar 2015

A question about : few questions from a new member!

starting out with my credit report.. i know my credit rating is bad i was a reckless teenager, a young homeowner who fell into trouble in 2008/9 when the rates went up but back on my feet now trying to make amends and at some point in the hopefully not too far future by a bigger home!

i have a few questions regarding my crediting rating..

firstly my mortgage arrears/mortgage account are not showing on any of my credit files is this normal?

im sure i had more than 1 ccj that is showing but a search of court registers shows only the 1 listed does this mean the others have now been remved (may have been more than 6 years ago)

on my equifax report the one ccj is showing twice, same reference, amount and date etc... how can i get one entry removed and will my credit rating improve slightly as one goes?

i am still financially associated with my ex from 5 years ago is this normal?

are bad credit credit cards worth using to build up your credit rating?

Will paying a defaulted account off help my credit file straight away or is it worth me spreading my repayments evenly across them all?

think thats all for now.. feeling slightly relived less on my report than i thought!!!

Best answers:

  • can Anyone help please?
  • If you only have one ccj on the trust register, then you will only have one ccj, credit ref agencies get the information from this list. Duplicate entry of ccj on file, you could ask for it to be removed, however this will make little difference to your "score" with having the remaining ccj on file, paying off debts that were defaulted will not make a huge amount of difference either. But paying them off will stop them front taking you to court.
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