CCJ/Default after 6 years is up

WinstonTown

Good morning

I currently have three CCJs/defaults on my credit file. One is due to reach its 6 year anniversary in a few months time. The balance won't be paid by then (I am still making the agreed monthly payments, and obviously will do until the balance is cleared) so will it be re-registered and the 6 years re-started?
The other two are 'younger' but also a lot smaller, so will be paid off quicker. I assume they will just show as 'settled' once they are fully paid off?

Thanks

sourcrates

Hi,


You have county court judgements or defaults, or both, your post is unclear ?

Willing2Learn

Hi,

After six years, details of the CCJ will be removed from your credit file, even if you’ve not yet paid it all off.

fatbelly

Yes the answer's going to be the same - nothing gets re-registered, everything stays till 6 years after default or settled, whichever happens sooner.

The confusion comes when a creditor gets a ccj a few years after the default. This creates a second entry on your credit report. The first drops off 6 years after the default; the ccj entry drops off 6 years after the judgement, regardless of whether anything is paid or not.

Thrugelmir

Details of the CCJ's will remain on the Registry Trust though until they are settled.

SarahJ1973

Thrugelmir wrote: »

Details of the CCJ's will remain on the Registry Trust though until they are settled.

Unless 6 years have passed from the date of the CCJ being issued?

fatbelly

Yes the registry trust only keep records for 6 years from the date of judgement

WinstonTown

Thanks everyone