Expert Credit
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CCJs (County Court Judgments) can devastate your credit score by up to 250 points, making it nearly impossible to secure loans, mortgages, or even mobile phone contracts. These court orders remain on your credit file for 6 years, blocking access to financial products and affecting your ability to rent property or get approved for credit cards.

Defaults are equally damaging, typically reducing your credit score by 150-200 points and staying on your credit report for 6 years. They signal to lenders that you've failed to meet payment obligations, resulting in automatic rejections for mortgages, personal loans, car finance, and credit cards. Even when you do get approved, you'll face higher interest rates and unfavorable terms, costing you thousands in extra fees over time.

Late Payment Markers are often overlooked but can be just as destructive to your credit profile. Each late payment marker can reduce your credit score by 30-80 points and remains visible for 6 years. More critically, multiple late payment markers often escalate into defaults when creditors lose patience with payment delays. What starts as a few missed payments can quickly spiral into a default notice, creating a domino effect that devastates your creditworthiness. Early intervention to remove late payment markers is crucial to prevent this escalation and protect your financial future.