Satisfied CCJ "dissapears" in 12 months. Will it make that much difference?

Thatsagoodpoint

Hi all,

I'm a new poster, so please be gentle

6 years ago, I had a CCJ added to my score. I earned it fair and square and have since settled the amount. :T

The judgement is now sat on my file with "satisfied" against it, and will expire Nov 17.

Its the only negative thing on my credit score. My credit card balances occasionally sit on the high side but are lowered on a regular basis. Eveything else (mobile phone, car and a catalogue) are A1 payments and have been for years. My credit score with all agencies is "below average" with the CCJ being the only cited negative.

I guess my question is, when my CCJ drops off my file next year, will it really make that much of a difference? Am I suddenly going to jump into a higher score as if by magic?

[Deleted User]

Ignore the score. It might down, up or stay the same. Either way, it means nothing and is not seen or used by anyone.

A credit file without a CCJ will be seen in a much better light than one with a CCJ.

Thatsagoodpoint

Deleted_User wrote: »

Ignore the score. It might down, up or stay the same. Either way, it means nothing and is not seen or used by anyone.

A credit file without a CCJ will be seen in a much better light than one with a CCJ.

I have been preoccupied with the whole "score" thing. I'm a lifelong gamer

BTW: Love the username/avatar.

sourcrates

Your chances of obtaining credit will greatly increase once the CCJ drops off your file.
Of course a lot of other factors are also involved in lending decisions, but that would be the main obstacle.

The actual score means nothing.