ccj and default disappeared

kyson

Hi

Does anybody know why a ccj and default have disappeared from my credit file, when i ordered my credit report from experian in march 2005 it indicated i had a judgement for £600 dated 01/03 and a default of £490 saying i defaulted in 09/02.

I have paid back debts to family recently and wanted to clear these from my record, so i ordered my free online report from creditexpert.co.uk, my online report does not show these.

I even retrieved my national credit score which was 900/1000 indicating i am good credit risk beating 60% of people applying for credit.

Is anyone able to shed any light on what has happened?

Thanks

sammy115

It may not be listed on the experian file. I have subscribed with https://www.checkmyfile.com and they supply you with reports from all three main credit reference agencies. Equifax shows no problems with my credit, however on experian I have one default and on callcredit I have three.

I am not sure why they would show in the past but not now though. It may be worth doing a check on the other two agencies too to check.