CCJ removal?

BrokeBrunette

I'm not sure if this is in the right place but will ask anyway.

I have a friend who has a CCJ on his credit score. It has been paid off in full but has not been removed from Equifax.

Does anyone know how he can remove it, bearing in mind the debt is fully paid off?

Thanks in advance

chartreuse_2

From the Equifax website:

Judgments/Decrees are held on file for 6 years from the date of Judgment, even if it is satisfied/paid. However, if you satisfy or pay the Judgment / Decree within a month of the judgment being issued, it can be removed from the Register and your credit file.

More at: https://equifaxuk.custhelp.com/cgi-bin/equifaxuk.cfg/php/enduser/std_adp.php?p_faqid=36&p_created=1149603205&p_sid=R9PFSkqi&p_accessibility=0&p_lva=&p_sp=cF9zcmNoPSZwX3NvcnRfYnk9JnBfZ3JpZHNvcnQ9JnBfcm93X2NudD0xMDQmcF9wcm9kcz0mcF9jYXRzPSZwX3B2PSZwX2N2PSZwX3NlYXJjaF90eXBlPWFuc3dlcnMuc2VhcmNoX25sJnBfcGFnZT0x&p_li=&p_topview=1

file_wizzard

If the order was correctly issued (and mindful that your friends has paid it, one has to presume it was) then the CCJ will remain on his file for 6 years from the date of order, (unless it was paid in full within 28 days of order) if it has been paid in full after the 28 days then he may apply to the court for a certificate of satisfaction, which will be noted next to the CCJ on his file, and this will slightly lessen the negative impact it has ( although not by much)

BrokeBrunette

thank you both very much. I will pass this info on to my friend

us,thecat&thedebt

on this note does anyone know what happens if you have a ccj for 6 years and never pay it..
does it drop off?

my FIL has one from 2001

TIA

file_wizzard

The entry naturally expires from the credit file after 6 years, however if any payment has been made within this time then the the orginal order is still valid and it can be re-instated to the file (Subject to the provisions of S.24 of the limitations act.)