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Hi all.

I've been looking to pay off my credit card balances & some months ago contacted LloydsTsb to enquire about borrowing against my mortgage as I have plenty of equity in my property.

I was told that they would not agree to further lending if I had a CCJ on file which I did.

Now that the CCJ was entered over 6 years ago I checked my credit file with 2 CRA's & the CCJ no longer shows on either so I thought I'd try again.

I've just been told by one of their operators that they won't help me as their credit check has shown a CCJ on my file. How on earth can this be?

I think my file has only been free from the CCJ for a week or so but clean is clean right?

 

Any advice appreciated.

Thanks.

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You will need to request your credit file from all 3 agencies to clarify that it has definitely been removed.

 

It may be that one of the CRA's has not yet updated your file and it will drop off when they do so.

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Perhaps the bank had checked before the removal of the CCJ Call Credit are usually very slow and info is out of date in my experience.

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Ask them which credit reference agency they used as they are obliged to inform you, then get a credit report from that agency, take it into the bank and ask them what CCJ are they referring to exactly :-)

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Good Idea if it is call credit it could be useful to be explicit that you require an up to date version, it has come to my notice that some

banks are using all 3 main agencies.

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Ask them which credit reference agency they used as they are obliged to inform you, then get a credit report from that agency, take it into the bank and ask them what CCJ are they referring to exactly :-)

 

Great tip. I'll get onto them on monday.

All 3 credit angencies show my file to be clean so I need to know where the hell they got their info from.

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