Areas of Law / Debt matter

How do you get your name off the bad debtors’ list?

There’s actually no such thing. Many people don’t realise that your credit file is simply a history of your credit transactions, including any applications you have made. The credit reference agencies merely supply retailers and finance companies with this financial information, and it is then up to them whether or not they are prepared to offer you credit. If a County Court judgment was made against you it will show up on the reference agencies’ records for six years (after which you can write to have it removed if it doesn’t happen automatically). But the best way to ensure you’re extended credit is never to default on payments due. Even late payments can show up on your records.

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