Credit & Records
How CCJs and defaults impact your future and how to fix them.
What happens if I miss a Credit Card payment?
Missing a credit card payment triggers a snowball of interest and fees. If ignored for 3-6 months, specific markers like 'Defaults' are added to your credit file, preventing you from getting mortgages or loans for 6 years.
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What happens if I ignore debt collectors?
Debt collectors are NOT bailiffs. They have no special power to enter your home or take goods. But ignoring them can lead to a CCJ, which is serious.
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