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CCJ's
JustLooking_2
Posts: 16 Forumite
Hi,
I know a CCJ stays on your credit report for 6 years, but is that the date from which it was issued or when it was settled?
I was talking to a friend last night in the pub and he thought it was from when it was issued and his reasoning for this was, that if you were issued a CCJ in 2000, and paid it in 2002, then you'd have the CCJ on your file until 2008, if it was 6 years from settlement. However, if you just decided not to settle the CCJ, then it would clear from your file in 2006.
Is that correct?
Thanks guys and gals
I know a CCJ stays on your credit report for 6 years, but is that the date from which it was issued or when it was settled?
I was talking to a friend last night in the pub and he thought it was from when it was issued and his reasoning for this was, that if you were issued a CCJ in 2000, and paid it in 2002, then you'd have the CCJ on your file until 2008, if it was 6 years from settlement. However, if you just decided not to settle the CCJ, then it would clear from your file in 2006.
Is that correct?
Thanks guys and gals
0
Comments
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It's 6 years from the date it is satisfied (settled) I'm afraid."I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
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A CCJ stays on your credit file 6 years from when it was first registered, not from when it was settled.
Same as default notices.Satisfied judgments are retained for six years from the date of the judgment. Judgments that have been paid within one calendar month will be removed from our records.
Taken from
http://www.experian.co.uk/consumer/index.htmlDebt is not the be all and end all. There is always a solution!0 -
ok....which one is it?
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Just to clarify - it does stay on there for 6 years, however if you haven't repaid it by then, it will be re-registered, it doesn't just disappear."I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
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Sorry, edited to show you that it is from when the judgement was first registered.Debt is not the be all and end all. There is always a solution!0
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If the judgment is not paid, then the creditor/court can re-register it, otherwise it automatically falls off after six year.Debt is not the be all and end all. There is always a solution!0
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Nicky wrote:A CCJ stays on your credit file 6 years from when it was first registered, not from when it was settled.
Same as default notices.
Taken from
http://www.experian.co.uk/consumer/index.html
So, to clarify, I received a letter from a DCA in July 2001 I acknowledge the debt and paid it off in either July/August/September 2003. So the CCJ should disappear from my file in July/August/September of this year?0 -
Yep, thats correct.Debt is not the be all and end all. There is always a solution!0
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Sorry, me again....so if I recieved the letter from a DCA in July 2001, would the CCJ have been put against my account in July 2001 or before then?
I know this sounds stupid, but I'm scared to get a credit report. It feels like I've failed. Does that any sense?0
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