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Help Repairing Credit File


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A few years back I had a bit of a meltdown after my marriage failed and through a period of depression and "head in the sand" my financial dealings deteriorated and imploded!!!

 

3 years later I'm back on the straight and narrow and trying to rebuild my life.... and my credit file!!!

 

There is a legacy of three items which are causing a fairly major issue with my ability to get a mortgage:

 

1. A default notice registered in the name of Lowell for what was a balance on a Next Directory account.

2. A CCJ for a debt that I dispute.

3. A CCJ for a debt that I accept.

Is there anything that I can do in order to have these negative entries removed or mitigated?

 

I understand that there is an appeal type process against a CCJ however will the length of time since the judgement was made exclude me from being able to use this course of action?

 

I've not paid a penny against either of the CCJs or the default so if I can't get them removed then I guess it's a matter of sitting it out for the next three years, but ideally I'd like to pay what I owe and for this to have a positive affect on my credit rating!

 

Thanks in advance for your help.

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What are their dates please

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so a CCJ july 2012 will be there till july 2018 regardless to if paid or not

only chance is a set aside

but after 3yrs fat chance.

 

 

or whomever got the CCJ has to be coaxed into removing it if you pay XYZ.

 

 

if it was a dca that got the CCJ, its been know,

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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