1. Technically the cr card people have 6 years to file CCJs against me (ie from May 2005 till Apr 2011). If they choose to file ccj etc against me in say , Dec 2010, does it mean i have to wait 6 yrs from that date to get my credit file automatically clean or does it mean 6 yrs from my date of last payment , my cr card file are automatically clean? pls advise
2. In 2007,I request a Morality certficate from Police in UK and it came clean? Does that mean i have no ccjs?
3. The INdidual Insolvency Register does not show my name, does it mean I am not bankrupt?
4. Is ccjs much softer than being bankrupt?