Wrongful CCJ record from credit club

chunkrock

EDITED COS I HAVE CALMED DOWN A BIT

Ok so I decided to check my credit report (from the free credit club).

It said I had a poor rating beause I have a CCJ out against me (or bankrupt which I am not nor ever have been).

I have an average amount of debt but have never missed a payment in my life and always make way over the minimum payments.

Absolutely mortified that I have a CCJ I am unaware of; I pay through the government suggested website to have my records pulled (£10 fee) to see that I don't have any CCJs registered against me at all.

Why is there a CCJ on my credit report but not on official documents?
How can I even begin to investigate this?

[Deleted User]

chunkrock wrote: »

Why is there a CCJ on my credit report but not on official documents?

Which of your files show the CCJ? What are the details?

You'll need to query it with them. It could be mistaken identity.

Craig1981

i would sign up to noddle (callcredit or TransUnion) and clearscore (equifax), which are also both free.

have a look to see if they all show the same. check your closed accounts to see if any defaults registered with any of your accounts.

if you still dont think it is against you in any way shape or form, query it with the CRAs, would need to be all three of them.

chunkrock

Deleted_User wrote: »

Which of your files show the CCJ? What are the details?

You'll need to query it with them. It could be mistaken identity.

It was my credit report which showed the CCJ but the report from Trust online says nothing.

See: https://imgur.com/a/bZM1fDt

chunkrock

Craig1981 wrote: »

i would sign up to noddle (callcredit or TransUnion) and clearscore (equifax), which are also both free.

have a look to see if they all show the same. check your closed accounts to see if any defaults registered with any of your accounts.

if you still dont think it is against you in any way shape or form, query it with the CRAs, would need to be all three of them.

What a nightmare; I have absolutely no idea what I am doing haha

Will get on it after work

[Deleted User]

chunkrock wrote: »

It was my credit report which showed the CCJ but the report from Trust online says nothing.

See: https://imgur.com/a/bZM1fDt

Which credit file? One or all three?
What did it say?
When was it registered?

chunkrock

Craig1981 wrote: »

i would sign up to noddle (callcredit or TransUnion) and clearscore (equifax), which are also both free.

have a look to see if they all show the same. check your closed accounts to see if any defaults registered with any of your accounts.

if you still dont think it is against you in any way shape or form, query it with the CRAs, would need to be all three of them.

Deleted_User wrote: »

Which credit file? One or all three?
What did it say?
When was it registered?

I'm sorry I am so new to this I really don't know.

i did a credit check on MSE's free credit check service several hours ago.

Score came back poor

With the smileys at the bottom it gave a list. Most were green and happy cos I am on top of my debts but there was a red sad face saying I have a CCJ or am bankrupt which is negatively affecting my score.

So I paid the government people to pull my records of CCJs so I could see what it was.

It was (as in the above picture) empty

[Deleted User]

It's starting to sound as if there isn't a CCJ on your files. You would see it.

It sounds like an error in the commentary. The scores and comments are generally nonsense. Only look at the facts of the accounts on your file.

Craig1981

click on the tab at the top of the page that says credit report, then on the left that states credit accounts. that will give you a list of all your credit accounts - at the top it will show open closed and defaulted account tabs...
check each open and closed and defaulted accounts tabs to see history of your accounts.

dont look too much or worry about the dashboard page, score etc irrelevant

chunkrock

Craig1981 wrote: »

click on the tab at the top of the page that says credit report, then on the left that states credit accounts. that will give you a list of all your credit accounts - at the top it will show open closed and defaulted account tabs...
check each open and closed and defaulted accounts tabs to see history of your accounts.

dont look too much or worry about the dashboard page, score etc irrelevant

Ok thank you so much for your help; I found it.

Some charge of £350 to my old address which I have not lived in for years. To be continued...

Craig1981

chunkrock wrote: »

Ok thank you so much for your help; I found it.

Some charge of £350 to my old address which I have not lived in for years. To be continued...

good - at least you now have a starting point