CCJs registered without you knowing

Posted in 'Credit Reports' by Barry Stamp

11 January 2012

One of the most surprising things we hear from customers is that they didn’t realise that a court record existed on their credit report. Credit reports contain details of county court judgments, high court judgments, decrees and more, and such court records remain on credit reports for six years, whether discharged or not.

Before a judgment or decree is given by the courts, a summons or writ has to be served, and most people who find an unexpected court record on their credit report have not received this, nor had the opportunity to defend the action, because they moved house and the service or the writ or summons was made by ‘substituted service’ – i.e. by post to the last known address, and not forwarded on.

Often those who are surprised have great payment histories on their credit report, and find out about the judgment only after being declined credit unexpectedly.

To find out what court records are on your credit files at Callcredit, Equifax and Experian, you can check this in one place and very easily by obtaining a Multi Agency Credit Report.

It costs nothing to obtain this if you trial our subscription service – which is free for 30 days and then costs just £9.99 per month until you cancel, which can by done at any time and without any fuss or hardsell.