ccj's

[**Clem**]

I got quite badly into debt when I was younger and have two CCJ's and other defaulted payments on my credit file. They are all now paid and the CCJ's are marked as satisfied. I want to improve my credit but will the CCJ's and defaulted payments go against me, even though they are all paid now?
I'd appreciate any help. Thanks x

[mandub]

Yes they will affect your credit rating considerably. The fact that you had a CCJ is bad enough for some lenders. The older the CCJ is, the better, obviously.

[**Clem**]

Thank you x

[EverClean]

Once they are over 6 years old they will no longer appear on your credit file. Most lenders will look at when a CCJ is registered rather than if or when it's repaid. The logic is that the time of registration is when you had financial difficulties - so as mandub says - the older the better, as this indicates that it has been longer since you had your difficulties.

Simple things like having current credit commitments that you are paying on time and ensuring that you are on the voters roll will improve your credit rating.

[**Clem**]

Thanks Everclean. I want to get a small amount of credit in any form so when I make regular payments my credit rating will improve. I just don't know where I can get it with the CCJ's on my record!

Thanks again x