Trying to understand my score

jkw1

Numpty trying to understand my credit score, so some years ago I had a massive credit limit with Barclaycard, seemed like they just upped it every few months, like an idiot kept using it. Eventually due to other issues, had mental health issues and eventually lost my then job, eventually defaulted to the point ended up in County Court and issued a CCJ in feb 2016
Payment plan was set up of 150 / month from march 2016 and not missed a payment. My credit score tho shows my Barclaycard, in default every month with same outstanding balance as they took me to court for.

Am I missing something as balance shud at least be 3 and half years of 150 / month less?

Sorry if sounds silly, thanks

[Deleted User]

Ignore the score and look at the accounts.

Have you checked all 3 of your credit files?

Willing2Learn

If the judgement date of the CCJ is February 2016, then that account will be recorded on your three credit files until February 2022.

jkw1

Sorry, to clarify it's the actual account in question when go to details, shows full outstanding balance as court date and df every month since.