CCJ conundrum advice and perspective needed urgently

eddie-r

HI All

I'm trying to rent a property. I have been very attentive to my credit rating of late since I found out i have to leave my current home.
In 2009 I was apparently awarded a CCJ via Lewis group and my County court business center for personal debts.
Having signed on to Experian this year I have found no mention of it. I STILL make monthly payments towards this CCJ. However nobody aside from Robinson Way and the County Court acknowledge it. I Paid for a search on Trust Online... No sign of the CCJ. I also looked on Clearscore and Equifax. NOBODY has any evidence of this CCJ. I am being asked left right and center if I have a current CCJ, i'm still paying it, but it doesn't appear anywhere on a credit report. Is this because it has fallen off my credit history? Should I put my hand up and admit that I have one?

pappa_golf

asked left right and center if I have a current CCJ,


NO a CCJ is satisfied in the ryes of credit agencies after 6 yrs

rtho782

You don't have to tell anyone you have a CCJ anymore.

You still owe the money.

If you stop paying, they can still enforce it.

It's not affecting your credit score anymore.

eddie-r

SO if I just don't mention it there's no way they will find it skulking in a corner under a rock somewhere?
The county court still have it on file.

glentoran99

If your paying it they will query what the payment is, they also will ask if you've ever had CCJs