Do Small Claims Affect Plaintiff's Credit Score?

Lin_May

Hi,

I know the court's judgement against the defendant will be recorded in the defendant's credit report for six years (in case the defendant doesn't pay within a month), which will obviously affect the defendant's credit score negatively.

My question is What about the Plaintiff. Say if I make a small claim to someone, then in the first place will this action be appeared in any form in my credit report? or if there is any chance that affects my credit report, at which stage / how will it affect (for example if the court's final judgement will against me as the plaintiff, will it be recorded in my credit report?).

The whole my point is I would not like to risk my credit report by suing someone for only a few hundreds pounds.

I would appreciate if someone who have knowledge about this aspect enlighten me.

Thank you for the help in advance.

LM

Quentin

Lin_May wrote: »

Say if I make a small claim to someone, then in the first place will this action be appeared in any form in my credit report? or if there is any chance that affects my credit report, at which stage / how will it affect (for example if the court's final judgement will against me as the plaintiff, will it be recorded in my credit report?).


LM

No to all your questions


If the defendant counterclaims against you and you lose, then you will have CCJ against you just as the defendant would if you win.


You would need to pay that within 30 days to avoid your credit rating being affected

Lin_May

Quentin,

Oh, thanks for the extremely quick answer. I'm relieved to hear that and I will make process immediately.

LM

Lin_May

Hi Quentin,

I just overlooked your 2nd paragraph of 'If the defendant counterclaims against you and you lose, then you will have CCJ against you just as the defendant would if you win.'
I just want to read your paragraph correctly. Counterclaims could be 1) just aiming to prevent the relief or 2) suing back by even asking for something, am I right?
Yes, if the case is 2), means when l become a defendant from a plaintiff then it could affect my credit report.
However, what about 1) case? means I just loose my claim and can't get what I want, but I was not sued back by the defendant, then will it affect my credit report?
Appreciate your clarification.

LM

Quentin

Yes, if you take someone to court and simply lose, then your credit record won't be affected at all.

Lin_May

Thank you for your clarification.