How do you find out if you have CCJ's or not ?

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james150

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Post by james150 » Thu Mar 26, 2009 4:09 pm
How do you find out if you have CCJ's or not ?
 
 

rayb

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Post by rayb » Thu Mar 26, 2009 4:12 pm
Hi,

Get a copy of your credit report or check with your local county court
 
 

kallis3

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Post by kallis3 » Thu Mar 26, 2009 4:12 pm
Hi,

You should normally have been told if you have any CCJ's, but if you contact the credit reference agencies and obtain a copy of your records, they should show up on there.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

james150

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Post by james150 » Thu Mar 26, 2009 4:32 pm
Ok but how do you access your UK credit report? Its not that easy as they ask questions name your credit card companies and how much did you owe? If you have been outside the Uk for 5-6 years, not easy to remember. Is there an easy way to get a copy of your credit report in the UK?
 
 

rayb

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Post by rayb » Thu Mar 26, 2009 4:34 pm
James,

All they ask you to provide is the addresses you have been at in the UK usually for the last 6 years and that is it.
 
 

rayb

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Post by rayb » Thu Mar 26, 2009 4:36 pm
You can obtain your report either through Experian, Equifax or Callcredit (think that is what they are called)
 
 

kallis3

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Post by kallis3 » Thu Mar 26, 2009 4:42 pm
Those are the ones Ray.

They don't ask for all those details, as Ray says, they only want to know your previous addresses and they will then send you a copy of everything they hold on you.

I know Experian charge £2, don't know about the others.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

rayb

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Post by rayb » Thu Mar 26, 2009 4:44 pm
Thanks Jan, I was sure of the first 2 but not Callcredit.

To think I used to work in Finance years ago and used to use Experian for Credit searching people - back in those days it was done on an individuals basis and not a score!!!
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