County Court Judgements
County Court Judgements are units of adverse credit that have been registered against you by a local court.
A creditor can take you to a local (county) court to settle an amount of credit that you have not been able to pay. The judge
will hear both your case and the lender's and will make a county court judgement (ccj) in order settle the case. This
will be registered against you on your credit history as a ccj.
Adverse Credit Loans Company accepts applications for loans from people with adverse credit history, including people with
County Court Judgements.
We can help both UK homeowners and tenants obtain either a secured or unsecured adverse credit loan by introducing them
to specialist loans companies.
Every day we deal with people with county court judgements to help them obtain a loan to pay off all their existing debt with
one easy debt consolidation loan.
County Court Judgements or an adverse credit history in itself might not stop you obtaining a loan. We are able to put you in touch with a
selection of lenders and brokers who provide poor credit loans and they will try to offer you a good rate that suits your circumstances.
The important thing about applying for loans if you have county court judgements or adverse credit is
that you tell the truth at the outset. Please bear in mind that a lender cannot just take your word or
our word for it, they will want to verify your credit history, including any county court judgements against you. The truth of
the matter is that by having an idea of your position from the beginning can make a massive difference to how fast you can obtain a loan.
It's in all of our interests to get your loan completed as soon as possible. This is why we have developed streamlined automated systems to
ensure that your enquiry is received by a specialist loans company within seconds of you applying online.
Some of our lenders use credit scoring to help judge the risk they take on. Credit scores normally take into account not only
adverse credit histories but also other variables such as income, age, time in job, etc. Your information is converted into a
mathematical sum indicating a risk level.
A credit search may show a default or county court judgements has been registered, including amounts and the dates
and whether they have been settled. It could also show missed mortgage payments (mortgage arrears) as well as previous mortgages history.
In addition, payments that have been missed on your current i.e. credit cards, catalogue payments etc.
We are aware that people have problems and we deal with people with county court judgements every day. Applications arrive
every day that have a combination of mortgage arrears, county court judgements and defaults which can still go on to complete. In the
unlikely event your case is turned down it will probably not be solely down to any county court judgements or your adverse credit.
Remember the companies we use are not looking for a reason to no, they want to say yes. Apply online in seconds using the county court judgement (ccj) loan enquiry form on
the right hand side.
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