How Many Points..?

[chrisuk013]

Was just wondering how many points a ccj or a default cost you on your credit file..?

[shazzzz]

not sure if im right but im sure i will be corrected if im wrong c c j county court judgement,stays on file untill you have cleared your debt your credit rateing,is allways up and down if bill are not cleared; on time ccj is well heavy and i dont think you could even get a mobil if this hangs over you head .not just a mobil but any type of credit

[Oneeyedvic]

The point system you refer to is individual to every company - eg Orange may have a score total of 1000 and take off 100 points for each CCJ which is unsatisfied between �200-�500, where as 02 may have a scoring system that has a total score of 600 and takes 300 off for a CCJ.

Essentially, every company will treat you differently and give you a different score - as shazzzz says though - it is very much more difficult to get credit when you have an outstanding CCJ on your file.

Incidentally, CCJs will stay on your file for 6 years - the only way to get them off is to pay them off within 30 days of receiving one. If you pay it after the 30 days, the CCJ will be marked as 'satisfied'

[chrisuk013]

Once and ccj on you file is marked satisfied can these legaly be removed...?,I have seen company on the net and also in the local press who offer to remove these.Are these company's just scammers? or can they really do as they say?.

[Oneeyedvic]

There is no normal legal way - maybe they have found a loophole somewhere, but I doubt it

[chrisuk013]

Ok so i have 2 ccj's on my file,Which i have satisfied by making full payment on both of them.I know they will only be marked with a S next to each ccj,But will my credit score increase..? and if so by how many points?

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