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If you have a county court judgment against you it will remain on your credit record for six years.
uk, says: "People are scared to apply in case they damage their credit record.
It could be that they work on a "points" system, in which case your son would have been refused a mortgage not because of a bad credit record, but because he doesn't HAVE a credit history - for example, if he's never had a credit card, or always paid cash for anything he's bought, rather than financing it with a loan, and paying it back in monthly instalments.
What's more," says Dave Mooney, a spokesperson for Equifax, "if you make those payments regularly, your file will be marked 'paid as agreed,' so your credit record will show positive results.
In the past, lenders have said the numbers are a flawed measure of fairness because they do not take into account such factors as an applicant's previous indebtedness or credit record.
They also can prevent negative entries on their credit record or potential visits from law enforcement for inadvertent -- but repeated -- bad checks," he added.
Even if your credit record isn't great don't worry, we'll highlight products that may work for you.
HMAC has also begun to target the hot sub-prime market by creating a new division that specializes in borrowers with blemishes on their credit record, such as bankruptcies or missed payments, who we are reaching through telemarketing, direct mail and customized seminars.
The government issues two free brochures: Build A Better Credit Record and Solving Credit Problems.
The draft proposes incentives to make Chapter 13 more attractive to bankruptcy filers, including steps to clear a debtor's credit record more quickly than the 10 years allowed under current law.
Andrew Hagger, of Moneynet, says: "If your credit record is squeaky clean, the garden looks rosy.
Women business owners must have a good personal and business credit record and have been in business for two years, or show an equivalent period of related experience.