Old CCJs

arealfarmer

Hi
On my Equifax and Noddle credit reports I have adverse information still showing . These are beyond the 6 years and should have dropped of by now . They were settled btw . Any ideas as to why they are still showing ?
Maybe I should contact these CRAs ?
Thanks

Buzby

No point - they are only showing what Registry Trust is supplying. The '6 years' however is only a recommendation and does not mean after 72 months it must disappear.

They should however be showing as satisfied/settled.

As long as RT remove it within a 'reasonable time' from the judgement date there is nothing for them to update, especially as the process is automated. If showing after 74 months from Judgement it may be a good idea to query it.

rizla_king

The 6 years is set down in statute.

http://www.legislation.gov.uk/uksi/2005/3595/made

Removal of entries in the Register

26. The Registrar shall remove any entry in the Register registered—

(a) by virtue of regulation 8(1)(a) or (b), six years from the date of the judgment;

Buzby

rizla_king wrote: »

The 6 years is set down in statute.

http://www.legislation.gov.uk/uksi/2005/3595/made

Of course it is - and it is 5 years for Scotland however, Registry Trust pays no heed, and as they are not a Registrar, do not have to comply with Statute.

They are in fact empowered by the DPA, and data is retained for an undefined period BUT they use the 6 years imposed on a Registrar as a 'reasonable period' and arrange to retire the data but there is no requirement for it to disappear on the 72nd month as you suggest.

Indeed, Scottish consumers who could reasonably be expected to see their defaults 'disappear' on the 60th month (under statute) do not - don't believe all you read - private enterprise rules.

rizla_king

The registry trust are the registrar. They are the "body corporate" as defined under the regulations as registrar. And they are obliged to remove 6 years to the day, and normally do.

Also 5 years in Scotland is for a debt being statute barred. Nothing to do with DPA or the recording of judgements. You are confusing 2 different things.

Scottish decrees stay on the register for 6 years just as in England.

Experian_company_representative

We drop court judgments, credit account defaults and non-defaulted settled accounts after six years as a matter of course.

James