Ccj removal no difference to score

Liverlad67

I know there is no such thing as a score per se. A ccj dropped off my file with this months noddle update. Score was 3/5 now showing the same. Thought a ccj was the most damaging. Still got a couple of satisfied defaults in closed accounts. See what happens when they all drop off. Been using cap 1 card for over year all green ticks. This rebuilding hard work lol. Thought using a bad credit card for over year and being squeaky clean with current ac never going od would make some difference oh well still in purgatory lol thank u banks u got bailout where is mine?

somethingcorporate

My score for you went up half a stick of rock so rejoice!

In all seriousness your attractiveness to lenders would no doubt have increased as a result but the satisfied defaults may still make mainstream credit tough for you to access.

[Deleted User]

Liverlad67 wrote: »

thank u banks u got bailout where is mine?

I can bail you out. Simply write 'my credit score is 5/5' on a post it note and stick it on your computer. Instant increase and as valid as anyone else's.

Liverlad67

I know but you would think things would improve even slightly. Should have gone bankrupt years ago instead of trying to do the right thing. Silly me lol.

Paul_the_Painter

According to their internal scoring you may have been 2.6/5 (rounded up to 3/5) and you are now 3.4/5 (rounded down to 3/5)
Of course it's all pretty much rubbish, during the depths of the financial crisis I had a "score" of 3/5 but got an £8,000 interest free balance transfer from Barclaycard.

andyfromotley

Imagine for one second that yoyo are a bank,

Liverlad applies for a loan, you check his credit history (NOT his 'score') in order to see if you trust him. Would you trust him more looking at this moths CCJ free history, or last months with a CCJ sitting there?

You're doing fine, you are becoming more appealing to lenders, carry on.

Liverlad67

I know it takes time just frustrated that as things drop off they still see past demeanours. Do they see a different record than your current file. Thought as things go they are gone forever. Just want to rejoin the so called normal people I have learned my lesson over six years. Blimey even murderes get time off for good behaviour lol. Again thank you all for your comments all welcome.