Got a CCJ removed and my credit score has dropped ????

Malvern123456

Hi, my first post and I couldn't find a specific place for this so this seemed to be most appropriate.

I've been battling to increase my credit score from the mid 280s after I had a rought time financially as a mature student.

I managed to pick up 3 CCJ, 2 for over £7k and one for £300 in 2008.

I've been trying and trying to get the £300 one removed and finally got a letter from the lender which I sent off to the court. They removed the CCJ from my credit file and I was looking forward to a bit of a climb in my credit score.

To say I'm annoyed is an understatatement, I logged into my Equifax account last week to find my credit score has dropped to the lowest it's been since I started monitoring it.

I've had the following:

Sept 2011 - 287
January 2012 - 296

Then CCJ removed

Now - 283.

What on earth have I done, it's been climbing slowly as things have been paid off / sorted out and I just can't understand why it would dip after a bad mark being removed.

Thanks in advance for any responses.

Wutang_2

Its a MADE UP SCORE. It means nothing and you are never battling against/vs your /score/.

Ineedaname

Hi there, this thread may be of interest to you.

Also, if you are not Bankrupt then you may find you receive more replies on the Debt Free Wannabe board.