CCJ help

cherryandwhite

Hi All,

I've had a look through a few threads on here but couldn't find the answer to my question.

I managed to get myself a CCJ dated 21/12/16, I have just paid the final instalment back!! i know that it takes six years to "drop off" my credit file but is that 6 years from today or from the date that the CCJ was issued?

Any help would be much appreciated.

System

6 years from the date of issue. Make sure that it is marked as satisfied.

cherryandwhite

Wow thanks for the quick response Tarambor!! I spoke with TM-Legal this morning they said the would notify the courts that is now paid, will check my credit file once it refreshes next month.

Thanks again

Candyapple

Just in case you didn't know cherry, it can take a couple of months for the info to be fed back and updated on your files. Don't forget to check all 3:

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

System

can you post and let me know what happens once it shows up settled? if it changes your score or anything.

[Deleted User]

Anything it does to the score is irrelevant and not anything to worry about.

cherryandwhite

tessiesmum...

all 3 agencies have up dated my ccj status to reflect the fact that it's been paid, the changes to the credit score are

noodle went down by 9 points
clearscore stayed exactly the same
experian went up by 36 points

so it's been a bit of a mixed bag but i did also apply for and get a credit card last month,

also before anyone jump on the thread crying that the credit score doesn't matter, we all know!! I'm simple answers a question..

System

thanks. I too know the score doesnt mean anything!! thanks for updating me. Ill be settling mine in april.

[Deleted User]

cherryandwhite wrote: »

also before anyone jump on the thread crying that the credit score doesn't matter, we all know!!

If only that were true...