CCJ - Post BR Credit File Clean Up

David_F

Hi All,

I am trying to help a friend clean his credit file up post BR.

He was discharged in Nov 09 and all of his creditors still list his debts as outstanding and in default. I have read the sticky on this, and we are now compiling the letters to send out asking his creditors to correct the default dates to match his BR date, and to show the debt settled or part settled and that date to match his Discharge date.

My question relates to his CCJ. He only has one but what do we need to do regarding this as I cannot find any mention of CCJs on the Credit File Clean up sticky.

Do we just leave it showing as active and the debt still owing as the judgement date is before his BR?

Any help or guidance would be a great help.

Many Thanks,

David

IF

I'm sorry David, unsure of this one....just bumping.......x

fermi

David_F wrote: »

Do we just leave it showing as active and the debt still owing as the judgement date is before his BR?

There will be two entries for the debt on the CFS.

a) The entry in the "credit account" section.
b) An entry in the "court judgement" section.

For:

a) You can get the debt marked as settled due to the BR as the sticky explains.

b) You can ask the creditor to agree to the court issuing a certificate of satisfaction, but the creditor does not have to.

The CCJ doesn't matter really. That will be gone from the record before the much worse BR order itself is. Not worth expending too much effort on.

David_F

ifwisheswerehorses, THanks for thebump.....x

Fermi, Thank you so much for your extremely helpful answer and it is now clear in my mind what to do.

Thank you both for your help.

David x

T76

fermi wrote: »

The CCJ doesn't matter really. That will be gone from the record before the much worse BR order itself is. Not worth expending too much effort on.

As the debt has been updated to show it is satisfied, but the CCJ is showing on my credit record and has not been marked at satisifed am I correct in assuming that the CCJ doesn't need to be marked as satisfied and that it will just fall off after 6 years from the judgment date?

Thank you for your help

T

fermi

Correct.