Credit File Questions

masonsmum

Hi everyone
I do not have any major issues with debt at the moment but did when I was younger and have worked hard to clear it all. However I obtained a copy of my credit file today and just have a couple of questions.

I had a CCJ issued against me in Dec 2006, I paid this in full in 2008, but it is still on my file so when will the disapear.

I also had a BOS loan in 2005 which I cleared and had no defaulted payments on however I was off work sick and claimed on PPI which covered 2 payment of the loan - the status of this loan is showing as Q for 3 months - and also when will this disappear from my file.

Thanks in advance for any help.

sjstringfellow

Your CCJ will clear 6 years after the judgement was issued regardless of whether you paid it or not :-)

happy_bunny_2

When was the BOS loan settled? It will go from your report 6 years after this.

Q is a query, and does no harm to your report from what I have read on here.

masonsmum

I cleared the loan in Aug 2006 so hopefully it will clear this year then?