How to Repair my Credit

First, a CCJ - the largest possible marking of credit you may have in your credit record, apart from insolvency - cannot be deleted unless it has been wrongly obtained or you have already repaid the respective debtor against you within one months of his conviction. It is only then that any CCJ references are deleted from judicial and credit record books.

Judgements handed down after one months can be described as "satisfied" by requesting a satisfaction certificate from the local district courts, which is forwarded to the credit bureaus. If you don't, it'll stay in your record for six years. When you think that you can do badly with creditors when requesting loan or credit card, there are a number of things you can do to help the situation better.

Of course, the first stage is to request a copy of your credit record from one of the three major credit rating companies - Experian, Equifax and CallCredit (through the Noddle brand) - so that you can verify the accuracy of the information it contains. Legislation allows you to rectify or remove false information from your files, or to add a notice to the files explaining why you believe the information is false.

The credit bureaus must inform you within 28 working days of your notification whether they have taken measures to rectify your case and, if not, why they have not done so. The review of your credit reports will also reveal any evidence of cheating. Next, you need to see if old and idle credit or debit card are on the list.

Keep in mind that creditors not only look at your account to see if you have failed or not on payment, they also want to know how much credit is already available for you and the balance you have on each of your tickets. When you have a large number of tickets and/or a large amount of available credit, even if you are not using it, there is too much room for you to go on a savage expense trip.

Therefore, please consult the appropriate company and delete your card. In case the filename does not contain information about your voter list, please immediately consult your municipal councillor to register. It is unlikely that you will get any recognition if you are not on the voters list. Lastly, you are paying all your invoices on schedule, every single day, every single day, every single day, even if you can only make minimal amounts.

Potential creditors like to see constant paying behaviour - the longer the better. Although standard settings on your chart for six years stay the same, lenders are more concerned with how well you are currently handling your payments instead of being interested in what might have been happening three or four years previously.

If you have a great credit record or not, it's a good Idea to periodically submit your credit file to ensure that the information they keep is accurate.