We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
CCJ and BR and credit file
woolythoughts
Posts: 292 Forumite
Hi
Cleaned up my credit file after my BR in March 2012. I was discharged in 2013.
A couple of creditors default date are showing a few months later but I’m ok with this since it’s not worth fighting over. I have credit cards, mortgage etc so once the BR drops off in March it should be the end of it.
The one issue thought is a CCJ which I incurred in October 2011. I would expect it drop off at the end of this month but it’s showing as active still. I would have thought the BR would have superseded the CCJ so I’m a little confused.
Cleaned up my credit file after my BR in March 2012. I was discharged in 2013.
A couple of creditors default date are showing a few months later but I’m ok with this since it’s not worth fighting over. I have credit cards, mortgage etc so once the BR drops off in March it should be the end of it.
The one issue thought is a CCJ which I incurred in October 2011. I would expect it drop off at the end of this month but it’s showing as active still. I would have thought the BR would have superseded the CCJ so I’m a little confused.
0
Comments
-
It should be off your updated file in November, wait and see.
In any case it would of been quashed by your Bankruptcy.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
So why does it still show as active? I can understand it being there intil November but not showing as active still?0
-
woolythoughts wrote: »So why does it still show as active? I can understand it being there intil November but not showing as active still?
Obviously your OR should of informed the Owner of the judgement about your Bankruptcy, so it should show as settled.
It will still be 6 years before it comes off your file.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards