What Is A Certificate Error?

Is a certificate of cancellation what's needed to make better an administrative error?

• Hi I posted a question previously stating that a ccj was passed against me because my insurer/their solicitor failed to make payment to a person I had an accident with. Judgement was passed when it appears the other party were actually in receipt of a cheque. This has obliterated my credit rating. I was advised on Answers to get the solicitor to file for a Certificate of Cancellation which apparently was done. 1) Does this mean that my credit rating can be restored so this 'never happened' 2) Can I safely tick the 'I have had no CCJ's against me' box on forms? 3) What should I do to ensure that the matter is completely closed and will never come back to bite me? 4) Should the solicitor how was incompetent sort the issue of my credit rating out? What should they do? I'm convinced they haven't got a clue as to what they are doing HELP!

• Answer:

  To be on the safe side, I would suggest that you get a copy of your credit history report sent to you. You can normally do this by signing up with www.experian.co.uk (or similar) for a free trial period of 30 days, giving you access to your full credit rating report. Any blemishes against your name will be highlighted (including ccj's) and the report will contain contact information against these. You can contact the companies listed to get items removed from the report if they can legitimately be removed. Bear in mind that what you see on your credit rating report can also be seen by insurance providers (and such like) when running a credit check, so it's a useful exercise to ensure that your credit rating is correct.