We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
ccj still on credit file after 6 years
sfsdfg897fdgd89
Posts: 76 Forumite
Judgement of ccj was put on my credit file 27/09/2009
So should come of today I just need it off for a job that starts end of this month.
I phoned experia weeks ago who said it automatically falls off, hopefully because it's a weekend it will come off tommrow.
If not when is it likely to come off I normally wouldn't be stressed out but because it's to do with my job I am
Thanks
So should come of today I just need it off for a job that starts end of this month.
I phoned experia weeks ago who said it automatically falls off, hopefully because it's a weekend it will come off tommrow.
If not when is it likely to come off I normally wouldn't be stressed out but because it's to do with my job I am
Thanks
0
Comments
-
Credit reference agencies don't always update straight away, Noddle, for example, is quite a few weeks behind, most only update on a monthly basis.
It may still show on your file for up to another month.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Should come off Experian at midnight tonight.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
-
I agree with Fermi - there's usually a 2 week'ish lag in the CRA's updating. IIRC although there are constant notifications, they actually apply the main updates only twice a month.0
-
What about other credit records
May take longer. Equifax in particular tend to drag their feet a little.
Experian however, if things go as they should, drop expiring records 6 years to the day at midnight at the end of the 6 year anniversary. i.e. a CCJ, default, or whatever, dated 1/1/2010 would be visible on 1/1/2016 and drop on midnight at the end of that day.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards