A CCJ is worth what in points

Bouffant73

After finishing an IVA last year I found on my credit reports that a CCJ had incorrectly been applied to me 18 months after the IVA started and was also a debt that was already included in the IVA. After a lot of hard work I have finally this week had confirmation from the court that the CCJ has now been set aside. I am now waiting for my credit files to be updated. Currently Experian is about 610 and Call credit and Equifax are 500-550. I don't have any other CCJs or defaults or late payments showing so am wondering how much I can expect my scores to increase once this CCJ is removed? Any ideas?

Sparx

It does not matter what your credit 'score' is and you do not get 'points'. Lenders have their own scoring methods when looking at your CRA data and complete their own internal assessments.

All you need to do is check your credit report in the next month or so is updated to truly reflect your credit history, i.e. the CCJ is removed.

Make sure there are no other inaccuracies and you have nothing else to worry about. Especially a meaningless credit score the credit agencies give you.

The_Boss

Your 'scores' may even decrease since some people have reported very high scores with ccjs on their file