Can a CCJ be removed

Posted on 18 August 2018 by lyndsay

We have just put an offer in n a house, with a 10% deposit, we were declined becasue my parnter had a ccj against him he was unaware of. We have looked in further and experian say they get all their information from "" so we registered with them and nothing came back on my partner re ccj. Anyway I have tried to get a mortgage in just my name but have been declined and am assuming its becasue I am financially linked to him. Is there anyway I can get it by myself or any way we can have this removed from his credit file within a month so we dont lose the house we are trying to purchase?? desperate!!

Hi Lyndsay,

There are 3 main credit reference companies that Lenders use when checking peoples credit files.  These are Experian, Equifax and Callcredit.  The records on each one are not necessarily the same and a CCJ may show on one and not the other.  I recommend that you check all 3 and not just the agency used by the Lender who declined your application.

The following government website has some very good advice on how to go about this:

Once you have identified the CCJ you will need to approach the company that registered it and ask them to tell the Credit Agencies that it has been registered in error and to remove it from their files.  It might be possible to complete this process within a month if you are persistent.

I think you will have trouble getting a mortgage, in joint or sole names until the CCJ has been removed.  You most likely chance of success is to approach a small provincial Building Society who don't just rely on a Credit Score to tell them who to lend to.  If you can show them that the CCJ has been registered in error and you meet their other income and lending criteria there is a chance that they might offer you a mortgage without waiting for your credit file to be corrected.

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.


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