CCJ on Clearscore and Noddle but not Equifax?

DarrenJInglis

Is it normal for a CCJ to appear only on certain credit agencies files? I have a CCJ which is on my Noddle report as well as my Clearscore report, but when I check my Equifax report it's saying I have no CCJs?

Just wondering because I know this kind of thing can happen regarding defaults etc, but I would have thought because a CCJ is a court official type matter then it would have to be reported on all CRA files.

Thanks in advance for any answers.

StopIt

ClearScore use Equifax data, so why Equifax themselves can't display something they're providing to you via a 3rd party is anyone's guess.


A CCJ should appear on all of the main CRA files as they'll get the same data feed from the Registry Trust.

fermi

Two main possibilities.

(a) the CCJ was due to drop off recently, and Equifax has updated this, but it won't drop from clearscore until their next monthly snapshot. Or the link is recent to your current data, and wasn't yet on Equifax if you checked that some time before clearscore.

(b) A credit file isn't a fixed file like thing that exists in it's own right. It's a set of linked data, generated from previously apparent links, and from the data you provide or the checker provides to the CRA. Doing another check providing slightly different or fuller data can make things that did exist, but just didn't show as a link had not been made, suddenly appear.

DarrenJInglis

StopIt wrote: »

ClearScore use Equifax data, so why Equifax themselves can't display something they're providing to you via a 3rd party is anyone's guess.


A CCJ should appear on all of the main CRA files as they'll get the same data feed from the Registry Trust.

I've just realised I meant to say Experian not Equifax 😂

That's what I thought too, that it had to appear on all files but I guess not in this case? 🤔

DarrenJInglis

fermi wrote: »

Two main possibilities.

(a) the CCJ was due to drop off recently, and Equifax has updated this, but it won't drop from clearscore until their next monthly snapshot. Or the link is recent to your current data, and wasn't yet on Equifax if you checked that some time before clearscore.

(b) A credit file isn't a fixed file like thing that exists in it's own right. It's a set of linked data, generated from previously apparent links, and from the data you provide or the checker provides to the CRA. Doing another check providing slightly different or fuller data can make things that did exist, but just didn't show as a link had not been made, suddenly appear.

It's not due to drop off for 2 years yet unfortunately, so it's been on there a while but not long enough to disappear yet. I have no idea then, it's not a big issue anyway but I thought I'd try and find out.

Thanks 😀