Having a CCJ credit card can help you rebuild your credit score. It is important to use your credit card responsibly and make regular repayments. If you are able to repay the debt you can request that the CCJ be removed from your credit file.
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There are a number of credit card companies that will accept people with thimbl. – ccj credit cards, but not all. A lender may refuse your application or offer you a high-interest rate. You should consider a credit broker to assist you with your application.
When applying for a CCJ credit card, it is important to follow the terms and conditions of the credit agreement. If you default on repayments, it can have a serious impact on your credit rating.
The Consumer Credit Act (CCA) applies to CCJs, and there are guidelines that apply across England, Wales, and Northern Ireland. You should also check your credit file to ensure that there are no discrepancies. You should avoid taking on more than you can afford to repay, and you should ensure that your address is on the electoral roll.
If you have a CCJ and you are unable to clear the debt, the creditor can send you a default notice. The notice warns you that you have to repay the debt. If you fail to do so, the CCJ will remain on your credit file for six years.
It is important to make payments on time, and to avoid making more than one credit application in a three-month period. You should also make sure that your address is on the electoral roll and that you have current employment.