ccjs

[hollieberry]

me and my partner have been rentin differnt homes out for about 3 years now we are lookin at moving again but i have to pay some money to do a credit cheak! we are in abit of debt but the estate agents said all we need to look at is ccjs. but im not sure if ive got any of them i have asked members of my family and they said i would no about it if i did have some! me and my partner really wont this house and that is the only thing on my mind CREDIT CHEAK!! i dont wont to pay out 200 and then not get it back!.

[sammy snake]

How can you not know whether you have CCJ's or not? Have you been taken to court for not paying a debt? If not, you are unlikely to have CCJ's. You could have defaults but again, surely you would know. You would be getting letters from debt collection agencies and lenders demanding money from you.

You can request a copy of your credit file from the 3 agencies for �2 each, might be worth checking them first if you really don't know whether you have CCJ's or not.

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.co.uk

Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
0870 241 6212
www.experian.co.uk

[hollieberry]

i dont no as like i said iam in abit of debt but i dont no if ive gt anythin like that at the old adds! im only young and i havnt had anythin like credit cards catouloges etc! the only thing i have been i debt with is council tax!

[buildersmate]

Then you'd know if the council had taken you to court over Council tax arrears.
�200 for a credit check seems rather too much money - I thought �70 was about the going rate.

[alison123]

If i were you i would i would send off to all 3 Credit Check Agencies and take your time to read through them all. They do sometimes make mistakes on these things and they can be rectified with a time and patience. What these show is how many times you have made defaults etc and with which company. It will show all people who have lived at the address too. Is it the letting agency who is charging you �200 for the credit check? If so i am sure you get this refunded if all is ok but if you are unsure of your credit status then i wouldnt go ahead until you find out everything. CCJ's are County Court Judgements so if you have not attended Court (and the Council do take you to Court for non payment but NOT for late payment) then you should be ok. Hope this has helped.