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CCJ credit file removal advice

choccy1972
choccy1972 Posts: 29 Forumite
Sixth Anniversary 10 Posts Combo Breaker
in Credit file & ratings
Hi

I have a CCJ which was logged on my credit file 11/11/2008, satisfied in 2011 which I presume will be eligible for removal today after 6 years on my file.

Can anyone advise what I need to do please? Will it automatically be removed or do I have to contact all the credit reference agencies to do this?

Thanks for your help.

Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Should automatically be removed.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Tixy
    Tixy Posts: 31,455 Forumite
    It will be automatically removed from your file 6years after the judgement date. Experian and callcredit will be straight away

    With equifax it can sometimes take them a week or 2 more (it shouldn't but it seems to) so if you are looking to apply for credit soon then ideally I would hold off a couple more weeks.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • modder25
    modder25 Posts: 130 Forumite
    I have the same situation although mine is a week later. I've not applied for any credit for a couple of years now as I am waiting for this to drop off... I think I will still be a bit nervous to apply when I do need something even once the CCJ drops off.
  • choccy1972
    choccy1972 Posts: 29 Forumite
    Sixth Anniversary 10 Posts Combo Breaker
    Thanks for your replies.
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