old ccj added to credit report

lucinad

i have been trying really hard over the last few years to get my fiances in order: in the past year:

• 1:

paid off £990 of british gas (i paid it off 4 yrs ago but it wasnt wiped from my debt and i kept paying £1550! ended up in me paying that off and getting a refund of £650 this year...so now i have changed from a prepayment meter to a different supplier

• 2

ccj of £4450 from united utilities in 2015, paid off completely in june this year

• 3

i am also paying off a electric debt thats been going on for 23 years,i have asked a few people several times for any documentation about payments made but no one gives me anything, i am making extra payments each week to try and get it down

my partner works a good job and i have been in employment for the past year, we are probably the best we have ever been financially

but my credit score has been is going down each month and it is really annoying,
May eon did a hard search when i wanted to switch from a prepayment to credit meter... score went down and stays on there for 12 months!
June i changed from british gas prepayment to credit meter so it showed i took out a new account... score went down
August it says ccjs will be added, the only ccj i have is for the united utilities but that was from 2015 and i have completely paid it off, but as it wasnt on my credit report previously i am assuming that is what is going to show up,(i have checked another credit score site and it is on there) but will it only be on there for 3 more years or will that now show on my account for 6 more years from august? even though the actual ccj was in 2015

[Deleted User]

lucinad wrote: »

May eon did a hard search when i wanted to switch from a prepayment to credit meter... score went down and stays on there for 12 months!

Which is exactly why we always tell posters to ignore the scores. They're made up, pointless and not seen by anyone but you. Never look at your score again.

The CCJ will disappear 6 years from when it was granted.

lucinad

Deleted_User wrote: »

Which is exactly why we always tell posters to ignore the scores. They're made up, pointless and not seen by anyone but you. Never look at your score again.

The CCJ will disappear 6 years from when it was granted.

thank you, i will try to stop looking!