CCJ dropped off-When can I apply for...

Jamesie1

Hi all,

Yesterday the last of my bad debt dropped off my credit file (CCJ)!! Hooray! Long old six years it has been!

My question is when can I start thinking about applying for a decent credit card, I currently have some sub prime cards but ideally would like a decent 0% card.

Does anyone know how often the CRA's update their records, the CCJ was only showing on my Call Credit file... I have just soft searched on credit cards and it would seem by what came up that the CCJ is still factored in as it didnt give me any options but bad credit ones.

All of my file is now in the green and I am on the voters roll so I was expecting to see a few more decent cards coming up on the soft search?

Any help would be amazing

thanks

enfield_freddy

call credit only seem to update monthly , or at least only let you see one day in a specific month , it probably wont disappear for another month + the odd weeks before this month is up.


if this is your last , and you think you are clear , leave it a month (or more) then apply for 2 of the £2 reports from the other companies , then you know you are safe to proceed in obtaining credit

Jamesie1

enfield_freddy wrote: »

call credit only seem to update monthly , or at least only let you see one day in a specific month , it probably wont disappear for another month + the odd weeks before this month is up.


if this is your last , and you think you are clear , leave it a month (or more) then apply for 2 of the £2 reports from the other companies , then you know you are safe to proceed in obtaining credit

Thanks thats really helpful advice, I will give it a little while. I am subscribed to Noodle and I think the next report is due out in 11 days or something so will see what it says when that is produced. I wasnt sure if when lenders carry out a search its done in 'real time' or not.

Tixy

The callcredit file a lender will see is updated in real time, unlike the monthly updated Noddle report.

In terms of the CCJ for experian and callcredit, 1 day after the 6 year anniversary it should no longer be seen on any credit search done by a potential lender

Jamesie1

Tixy wrote: »

The callcredit file a lender will see is updated in real time, unlike the monthly updated Noddle report.

In terms of the CCJ for experian and callcredit, 1 day after the 6 year anniversary it should no longer be seen on any credit search done by a potential lender

Thanks for the reply, maybe I am still considered a bad risk then?

I have checkmyfile and although I know they dont count for much my Equifax score is 824 and the only one hindering me was the Call Credit score because of the CCJ (only reported on Call Credit) i was hoping that once gone it would give me the opportunity to get into the prime market as all my payments everything is update and looks pretty good.