Advice on an old (unpaid CCJ)

AlwaysStruggling

Hello,

I’ve been a long time lurker here – brilliant forum!

I got myself into a lot of debt several years ago with a failed business. I’m almost clear (had to sell house etc.).

I recently got my credit report and noticed a CCJ, I genuinely don’t know what it is for – its for around £1200 and I can only assume it was business related rather than personal.

I didn’t get any notice or letters, and have had absolutely no correspondence at any point about this.

The CCJ is about 5 and a half years old and I am inclined to just ignore it and let it drop off after 6-years. However someone told me that a CCJ stays on your credit file for 6-years AFTER BEING SETTLED – rather than 6-years from the actual date of the CCJ.

I’d be gutted if I paid it now and it was on my file for a further 6 years, I’ve seen different views on this, can anyone let me know when this will drop off my credit file?

Thanks very much.

fermi

AlwaysStruggling wrote: »

However someone told me that a CCJ stays on your credit file for 6-years AFTER BEING SETTLED – rather than 6-years from the actual date of the CCJ.

That 'someone' is talking nonsense.

AlwaysStruggling

Thanks, that is reassuring as it is not clear on the credit report.

Cheers

Gordon_Hose

If you sold up to pay your debts and moved house, chances are the correspondence went to your old address.