When exactly does a CCJ drop off your file ?

MadMat

I got a CCJ on 13th Feb 2012, so it's due to drop off my file "Today"

I want to apply for a credit card once it does, So when would it be safe to apply and know for sure the card provider wouldn't see it? would tomorrow be ok or should I wait till the end of the month?

Mat

Samsung_Note2

Personally id wait a month to ensure all trace has gone.

National_Debtline

Hi Mat


A CCJ should drop off your credit file 6 years after it was made but your credit file is only updated for once a month. On that basis is best to wait until the CCJ has definitely been removed and then apply for the credit card.


You can check your credit file for free at:


www.moneysavingexpert.com/creditclub
www.noddle.co.uk and
www.clearscore.com


Susie
@natdebtline

Anthorn

Strictly speaking it's not on your credit file, it's on the Register of Judgments and CRAs merely parse data from that. When it's off the register after 6 years it's off your credit history. You can search yourself on the register and it costs £6:
https://www.trustonline.org.uk/understand-judgments-fines/entries-on-the-england-and-wales-register/ccjs-and-the-register

Samsung_Note2

Anthorn wrote: »

Strictly speaking it's not on your credit file, it's on the Register of Judgments and CRAs merely parse data from that. When it's off the register after 6 years it's off your credit history. You can search yourself on the register and it costs £6:
https://www.trustonline.org.uk/understand-judgments-fines/entries-on-the-england-and-wales-register/ccjs-and-the-register

Sorry but how on earth does that help...compare spending £6 to spending £0.00 on the free reports.

To the OP id say again wait a month to ensure its gone,credit card approval is instant mostly and should have card and pin with in a week...so relax and wait a few more weeks.:beer: