Most of the time consumers who want to remove a CCJ are doing so because they want to make a positive impact on their credit score.
That could be because a higher score can help you gain access to certain financial products, or it could be that a CCJ is blocking the individual from a financial product completely. For example car insurance can be denied to individuals with a CCJ, or the interest rate applied to a car loan could be significantly higher.
Removing a CCJ will often have a significant impact on your credit score. Experian, one of the major credit bureaus, has stated
When the CCJ is removed, your credit score should go up too – making you an all-round stronger applicant for future finance.
Their comments about making an individual an “all-round stronger applicant” hints at the power of a CCJ. For those without CCJs, the ability to access financial products is significantly improved. That could mean cheaper car insurance, mortgages or loans.
If you have a CCJ on your file then in some circumstances it’s possible to remove it. One common reason for removal is that you have received a CCJ from a parking ticket, and the parking notice was sent to the wrong address.
If you’d like to understand if your CCJ can be removed, we offer a free review. There’s no upfront cost, and we’ll give you an honest appraisal of whether you have a case for your CCJ to be removed from your file.