Should I pay £15 to get my CCJ updated as "Fully satisfied"?

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spikypaddy
spikypaddy Posts: 27 Forumite
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in Credit file & ratings
My wife and I have recently sold our house, meaning I've been able to finally pay off my historic debts, including 2 CCJs. One lender has already updated their CCJ as fully satisfied with the court, the other hasn't yet. Is it worth me paying the £15 required to get this updated myself? The CCJ turns 6 years old at the beginning of December this year, so should disappear from my credit reports at the end of the year. Should I leave it to disappear unchallenged or would it make any long term difference to have it updated to fully satisfied before it falls off the reports?

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  • pappa_golf
    pappa_golf Posts: 8,895 Forumite
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    6 weeks? , why bother it will probably take 5.5 weeks to be enacted ,
    Save a Rachael

    buy a share in crapita
  • spikypaddy
    spikypaddy Posts: 27 Forumite
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    That's pretty much what I was thinking, but I wasn't sure if it has any effect on my ongoing record - even once the CCJ drops off?
  • Comms69
    Comms69 Posts: 14,229 Forumite
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    spikypaddy wrote: »
    That's pretty much what I was thinking, but I wasn't sure if it has any effect on my ongoing record - even once the CCJ drops off?



    No being rude, but just think about those to sentences :)
  • Samsung_Note2
    Samsung_Note2 Posts: 774 Forumite
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    Comms69 wrote: »
    No being rude, but just think about those to sentences :)

    Sorry But that makes no sense.?
  • forgotmyname
    forgotmyname Posts: 32,552 Forumite
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    to = two i think?

    The two sentences... Will it affect their ongoing record after it has dropped off.

    If it dropped off then its no longer on record. How can something not there affect anything?
    Censorship Reigns Supreme in Troll City...

  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Samsung_Note2 wrote: »
    Sorry But that makes no sense.?

    Once off your file all records of it ever having existed are removed with it.
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  • chappers
    chappers Posts: 2,988 Forumite
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    waste of 15 quid
  • James
    James Posts: 2,059 Forumite
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    You can achieve the same short term by adding a Notice of Correction to your Credit File explaining the situation. (up to 200 words).

    This however wont affect your present Credit Score it only means that any new accounts you open will be manually processed.

    You can submit a Notice of Correction to all 3 agencies. WITHOUT obtaining your credit file.

    Hope this helps
  • cjmillsnun
    cjmillsnun Posts: 615 Forumite
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    You could submit a notice of correction, however it is probably not worth it for one month.
    2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 2017
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