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  • FIRST POST
    • dazzaofdagenham
    • By dazzaofdagenham 2nd Mar 17, 9:17 AM
    • 1,030Posts
    • 355Thanks
    dazzaofdagenham
    CCJ ....six years is up
    • #1
    • 2nd Mar 17, 9:17 AM
    CCJ ....six years is up 2nd Mar 17 at 9:17 AM
    Hello

    I have a CCJ where the six years is up from 7 March 2017.

    So, what do I do to get it removed from credit files.
    Is it automatic or do I need to pay a fee like the cert of satisfaction that I paid for a few years ago.

    Thank you
Page 1
  • National Debtline
    • #2
    • 2nd Mar 17, 9:25 AM
    • #2
    • 2nd Mar 17, 9:25 AM
    Hi

    The CCJ will automatically come off after 6 years. It might take up to a month for the credit file to update.

    James
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • sourcrates
    • By sourcrates 2nd Mar 17, 9:52 AM
    • 11,204 Posts
    • 10,870 Thanks
    sourcrates
    • #3
    • 2nd Mar 17, 9:52 AM
    • #3
    • 2nd Mar 17, 9:52 AM
    Certainly don't pay anyone who says they can remove it !!!!!
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • dazzaofdagenham
    • By dazzaofdagenham 2nd Mar 17, 6:04 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    • #4
    • 2nd Mar 17, 6:04 PM
    • #4
    • 2nd Mar 17, 6:04 PM
    Certainly don't pay anyone who says they can remove it !!!!!
    Originally posted by sourcrates
    No of course not..

    But I thought maybe there was a fee to have it removed.

    Think I paid about a tenner for a cert of satisfaction about 2 years ago. So I was wondering if a further fee was payable now that the six years is up.

    So far it appears not.

    Thanks
    • dazzaofdagenham
    • By dazzaofdagenham 7th Mar 17, 4:57 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    • #5
    • 7th Mar 17, 4:57 PM
    • #5
    • 7th Mar 17, 4:57 PM
    So today is 6 years for my CCJ

    One default will also fall off my file later in the month

    Then that's it....debt free and clean credit file

    Well.....except the mortgage
    • dazzaofdagenham
    • By dazzaofdagenham 9th Mar 17, 1:44 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    • #6
    • 9th Mar 17, 1:44 PM
    • #6
    • 9th Mar 17, 1:44 PM
    Do people think that my CCJ ending in 7 March will effect in my noodle credit report which I think gets updated at the end of month.
    • StopIt
    • By StopIt 9th Mar 17, 2:36 PM
    • 686 Posts
    • 625 Thanks
    StopIt
    • #7
    • 9th Mar 17, 2:36 PM
    • #7
    • 9th Mar 17, 2:36 PM
    Noddle (I love it when people have Autocorrect and changes it to Noodle) are usually a bit slow, so you might need to wait until next month to see your clean Credit Report.
    • another casualty
    • By another casualty 9th Mar 17, 3:46 PM
    • 2,750 Posts
    • 4,274 Thanks
    another casualty
    • #8
    • 9th Mar 17, 3:46 PM
    • #8
    • 9th Mar 17, 3:46 PM
    Congratulations dazza !
    • dazzaofdagenham
    • By dazzaofdagenham 9th Mar 17, 7:24 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    • #9
    • 9th Mar 17, 7:24 PM
    • #9
    • 9th Mar 17, 7:24 PM
    Congratulations dazza !
    Originally posted by another casualty
    Thank you.....have a default that expires on the 17 match 2017 and then I'm bad debt free.

    Couple of interest free balances on credit card....but credit file ( keep tempting to say score ) should be clean.

    And it's gonna stay that way
    • another casualty
    • By another casualty 9th Mar 17, 8:01 PM
    • 2,750 Posts
    • 4,274 Thanks
    another casualty
    Thank you.....have a default that expires on the 17 match 2017 and then I'm bad debt free.

    Couple of interest free balances on credit card....but credit file ( keep tempting to say score ) should be clean.

    And it's gonna stay that way
    Originally posted by dazzaofdagenham
    Being st Patricks day then . You know what to do
    • dazzaofdagenham
    • By dazzaofdagenham 11th Mar 17, 12:32 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    Being st Patricks day then . You know what to do
    Originally posted by another casualty
    Oooo....may just tempt me to spend a few pounds !!
    • dazzaofdagenham
    • By dazzaofdagenham 16th Mar 17, 1:40 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    Might have a beer tonight to celebrate my default falls off credit file.

    So effectively I have no bad marks on my credit file at all...

    Couple of balances on credit card ( about 800 pounds in all ) and then that's all i owe....excluding mortgage

    • dazzaofdagenham
    • By dazzaofdagenham 18th Mar 17, 7:14 PM
    • 1,030 Posts
    • 355 Thanks
    dazzaofdagenham
    So in the last 10 days or so I have had a CCJ expire and a default expire as well...

    Will they fall off my credit report by the time my noddle credit report gets updated which is roughly 1st of month..
    • sourcrates
    • By sourcrates 18th Mar 17, 7:49 PM
    • 11,204 Posts
    • 10,870 Thanks
    sourcrates
    So in the last 10 days or so I have had a CCJ expire and a default expire as well...

    Will they fall off my credit report by the time my noddle credit report gets updated which is roughly 1st of month..
    Originally posted by dazzaofdagenham
    Should do, but some CRA's update quicker than others.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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