CCJ 6 year period?

[Deleted User]

Good evening,

I’ve got a ccj on my report for £5000, it is showing as satisfied and the judgement date was June 2013 with a satisfied date of June 2014.

Is it the judgement date or the satisfied date that the 6 years is calculated for it to be removed from my report.

Do I need to contact any one to tell them it has been 6 years or will it just fall off?

Will I see my credit opportunities be better now it is off or will I have to get some bad credit credit cards to show responsible lending?

Thanks

[Deleted User]

It will disappear 6 years from being applied to your files. You don't need to take any action.

Not having a CCJ will mean lenders view you more positively.

Use credit cards to demonstrate responsible borrowing. Leave the responsible lending to the lenders.

Craig1981

6 years from date of default

use an eligibility checker to see what cards are best suited for you, and try not make too many applications in a short period of time

as said, use card often for what is needed and pay off in full each month