ccj

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destiny-rose
Posts: 3
by destiny-rose » Wed Mar 23, 2011 9:17 pm
hi i really need to know if i have a ccj as i wont to private rent a house i have loked on the internet to find a free website where i can do it but they all charge you and i dont have a card to do it what does a ccj contain

 

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Shining
Posts: 27023
by Shining » Wed Mar 23, 2011 9:19 pm
Hi and welcome to the forum, a CCJ I believe is a County Court Judgement, most credit reference agencies charge to obtain your report. I'm not sure if there are any free ones out there. Do you have any paperwork relating to a CCJ? x

 

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ginger3232
Posts: 2610
by ginger3232 » Wed Mar 23, 2011 9:22 pm
I can imagine to would have been notified if you have CCJ - Experian/Equifax (credit agencies) hold our credit files - you can obtain an on line copy for £2.

Print it off about (20 pages) you find the CCJ on there - do you have a Visa electron or pre paid card ? - they tend to use this to confirm details etc

 

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destiny-rose
Posts: 3
by destiny-rose » Wed Mar 23, 2011 9:26 pm
im not sure i no i had to pay council tax bill as the balifs came out and now im paying them so i really dont no

 

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destiny-rose
Posts: 3
by destiny-rose » Wed Mar 23, 2011 9:28 pm
i dont have any cards i can use

 

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Shining
Posts: 27023
by Shining » Wed Mar 23, 2011 9:30 pm
I'm hoping one of our other posters can help you destiny-rose as I don't know anything about CCJ's so hang around as I'm sure someone will be able to advise.

I would think a cheque or postal order via post would be able to be used for the credit reference agencies and your credit report would be sent via the post. x

 

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kallis3
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by kallis3 » Fri Mar 25, 2011 8:25 am
I don't think there are any - even Free Annual Credit report wants a fiver upfront and then you pay nothing else!

I agree with ginger that you should pay £2 to all three agencies and check to see what they hold on you.
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