Credit File Clear Up

Scotty_Dog

Hopefully someone has some experience of this. I have 4 CCJ's on my credit file that have a status of "judgement" and one "satisfied". All have a zero balance (with a lot of help from this forum) and i want the status to be amended. Does anyone know what the court accepts as proof that it is paid off? I have letter that i am planning on sending, but only one specifies the case number. Also, i don't really want to have to pay £15 each for the certificate, but presumably they would still update the credit agencies without this payment? Any experiences please?

Scotty_Dog

Any help or am i in the wrong place?

matttye

When were they paid off?

Your credit reports won't be updated immediately. In my experience, Experian updates almost immediately, Equifax can take weeks and Callcredit/Noddle only seems to update once a month.

OneLife_OneShot

Noddle can be up to 2 months late, I closed a bank account early March and it only updated it right this month but if its settled and someone performs a search they will see its settled.

Experian_company_representative

We get a regular data feed from the courts via Registry Trust, so any updates by the courts should feed through too the CRAs fairly quickly. You don't need to pay £15 to update each judgment. A certificate is optional and just for your records. You simply need to provide proof to the court that a judgment has been cleared. Ideally it should quote the case number but in my experience courts tend to apply a common sense approach to this.

James Jones

woodgreen2013

Just wait be patient. If you wait long enough it will be clear.

Scotty_Dog

Thanks for that all. They were paid off about a year ago. I'll get the letters sent off to the court and see what happens.

I appreciate the help everyone.