Would CCJ appear on all credit checks?

Lieja

Hi all,

My OH had a CCJ a number of years ago, and as we're planning to apply to rent a new property soon and know we'll be credit checked, I'd like to know if the CCJ is still there as he can't remember exactly when it was and so may be over 6 years old.

We checked Noddle and it showed no CCJs, so does this mean that it won't show with Experian or Equifax either?

I know they hold different info and it would probably be best to check them all, but I would have thought a biggy like a CCJ would be on all reports?

jamesd

Normally such things appear on all reports but for a key purchase like this, best to get a statutory credit report from Experian and Equifax as well. The £2 for each is cheap compared to the peace of mind.

fermi

It's is public record information, so should show on the reports for all 3 CRAs if it exists and has not dropped off the register for being over 6 years old.

Some things can stop a CCJ showing, such as you not giving an address history far enough back when requesting your credit reports. i.e. if you don't supply the address you were living at the the time the CCJ was granted when requesting your report, the CRA may not link it to the report they generate. Maning it seems to not be there, while in fact it is there in the background not showing to you, but may show to someone else searching you if they supply slightly different date to do a search.

Only way to be 100% certain of the status of the CCJ on the register is to check the official register itself. http://www.trustonline.org.uk/