Settling a CCJ

RC2012

Hi Everyone

I've been paying off a CCJ debt. I've been offered a reduced settlement figure which is obviously attractive!

However, I was hoping to apply for the CCJ to show as settled on my credit file - am I correct in assuming I can't do this if I haven't repaid the full amount?

Trying to weigh up what looks better on my credit file as well as the reduction so I'd be grateful for any advice

Thank you

[Deleted User]

It will show as “partially-settled” if you pay the reduced offer.

But that looks better than an unsettled one - but obviously not as good as a fully settled one (or indeed not having one at all).

Willing2Learn

I thought that a partially settled CCJ will still be marked as 'active' on a credit file. I believe the CCJ entry is not recorded as being 'partially settled' and will in fact be recorded as active until the six years is up.

@OP - Since a partially settled CCJ is not recorded on your file, then the only way to improve how your file looks to a lender, is by paying the CCJ balance in full, so that it can be marked as 'satisfied'. Obviously you can still clear the CCJ fully by instalments too.