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CCJs on credit file.
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WinstonTown
Posts: 27 Forumite
Ok, so this is going to sound like the stupidest question, but I am going to ask it anyway!
Can you have a CCJ and it not show on your credit file?
The reason I ask is this: in May 2014, I received a CCJ that I have been paying, at the agreed amount, to Optima Legal every month. Last week I had an email from Robinson Way, about a debt. I queried it and asked for more details, and they sent back the information yesterday. It’s relating to a debt I had a CCJ for in 2014.
Now, to my recollection, and according to my credit files (MSE credit club and ClearScore) I only had one CCJ in 2014. Interestingly the original amount states by RW is only a few pounds out from the original balance with OL.
Can you have a CCJ and it not show on your credit file?
The reason I ask is this: in May 2014, I received a CCJ that I have been paying, at the agreed amount, to Optima Legal every month. Last week I had an email from Robinson Way, about a debt. I queried it and asked for more details, and they sent back the information yesterday. It’s relating to a debt I had a CCJ for in 2014.
Now, to my recollection, and according to my credit files (MSE credit club and ClearScore) I only had one CCJ in 2014. Interestingly the original amount states by RW is only a few pounds out from the original balance with OL.
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Comments
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It should show on your file0
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WinstonTown wrote: »Can you have a CCJ and it not show on your credit file?
Yes. Given there are 3 credit reference agencies in the UK (Equifax, Experian, TransUnion) it will depend on whether the lender/debt collector reports the CCJ to all 3 CRAs, or just one of them or two.
It could be that Optima have sold the debt to Robinson Way and they are trying their luck.I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0 -
Thank you both! I am 100% certain now (just dug through the dreaded paperwork pile!) that I only had the one CCJ in 2014, so I've emailed them back to say 'sorry but I am already paying it!'
Don't want to stop sending money to Optima, as they're the ones that issued the CCJ in the first place!0
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