By Mr Sasha Charles
Why are Tenants CCJ’s Not Usually Registered?
The Registry Trust Ltd is contracted to the Ministry of Justice to maintain the public register of CCJ’s (and other orders and fines) for England and Wales, this enables other credit reference agencies, such as Experian, to update their data and provide up to date credit checks.
Although many CCJ’s are registered with the Registry Trust Ltd, certain judgements are not which means there are many debtors who can pass credit checks without their CCJ showing.
Under the Register of Judgements, Orders and Fines Regulations 2005 a CCJ obtained through possession proceedings will not be registered with The Registry Trust Ltd, the consequence is that when carrying out credit checks on prospective tenants you cannot be certain if the report is accurate where previous CCJ’s are concerned.
Increasing Accuracy of Credit Checks
The BLA (British Landlords Association) are launching a data base of CCJ’s obtained through possession proceedings, it is the first data base of its kind and runs parallel to credit checks carried out via the BLA. The data the BLA hold is obtained from us, Landlord Advice UK and other leading eviction companies, other firms and individual landlords are also welcome to provide the required information to update the data base.