CCJ's on credit file

mm2000

I've seen mentioned in threads that CCJ's remain on your credit file for 6 years. Is this from the date of Judgement or from the date at which the debt is cleared?

jonesMUFCforever

Date of judgment I think.

file_wizzard

mm2000 wrote:

I've seen mentioned in threads that CCJ's remain on your credit file for 6 years. Is this from the date of Judgement or from the date at which the debt is cleared?

From the date of Order (judgement) , the date of satisfaction ( or otherwise) is irelevant.

mm2000

Thanks for your speedy replies.

*Sparkle*_3

i believe even if you dont pay it, it still goes within six years

file_wizzard

*Sparkle* wrote:

i believe even if you dont pay it, it still goes within six years

The entry on the file will naturally expire after six years, however the debt will remain, and can technically be re-instated onto the file until satisfied

*Sparkle*_3

file_wizzard wrote:

The entry on the file will naturally expire after six years, however the debt will remain, and can technically be re-instated onto the file until satisfied

Oh ok thanks for that wizward didnt know that, so for it to be re- instated does the person who initally started the claim have to initiate it again?

file_wizzard

No the CCJ order from the court will always be valid until the debt is satisfied.

The only part that expires after 6 years is the registration with the CRA's, in theory if the CCJ was still unsatisfied after 6 years and the entry had naturally expired from the credit file the original claimant could rightfully request that it is re-instated on your file. However in practice I have never seen this happen.

Also as stated before, it is only the record at the CRA which expires after 6 years, the Court order is Lawful for ever (within reasonable time scales)

*Sparkle*_3

thanks for that, learn something everyday!