totally in agreement with Brad on this one. BUT one other thing you CAN do, is write to experian and have a note added to the CCJ that there was no financial connnection etc it was due to an indirect incident, and therefore in light of current credit history should not affect me.

This means when you file is viewed when you apply for credit they will see anoted next to it saying why a CCJ was put next to your name.

I hope this helps