Set aside or settled ccj

FtbDreaming · 24 December 2019 at 12:09AM

Hi i recently settled a ccj on 28/11/19 from 2015 and have been waiting for my reports to update it marked as settled rather than active... anyway just checked my clear score and it says set aside date 29/11/2019 so does that mean it has been set aside as in doesn't exist anymore rather than just settled as I was expecting? It sounds too good to be true.

I’m still waiting for the other cra reports to update to see what they say.

[Deleted User] · 24 December 2019 at 12:20AM

If it is set aside it won’t be in your reports anymore.

Is it still visible?

Did you apply for it to be set aside?

FtbDreaming · 24 December 2019 at 12:24AM

Its not the new report its just a pre-alert of upcoming changes and says set aside on 29/11/19 so ill have to wait 5 days to see if its still on or not.

I haven't applied for it to be set aside I've been paying it since the judgement and then just overpaid it the last year or 2 in the hope that a settled one is better than active when applying for a mortgage.

Willing2Learn · 24 December 2019 at 12:24AM

Instead of Clearscore, I would check my statutory report from Equifax, to see the status of the account.

I would also check the statutory reports direct from TransUnion and Experian too.

And well done on settling the account.

Thrugelmir · 24 December 2019 at 12:34AM

Lenders will use the Registry Trust. That's the data that counts.

FtbDreaming · 24 December 2019 at 12:37AM

Thanks for your help. Just checked equifax and its settled not set aside. At least its paid off!!! One step closer to my mortgage.

FtbDreaming · 24 December 2019 at 1:38AM

On a side note my equifax has a late payment marker for the water bill when it was set up in may 2017... every other payment is green since it’s literally just the account opening with a late payment. Im gutted as i wasn't aware of it and it feels like one step forward and 2 steps back. All of my other accounts are 100% green. Ive emailed the company to see if they can do anything about it for me.

[Deleted User] · 24 December 2019 at 10:26AM

Well was the payment late?

FtbDreaming · 26 December 2019 at 10:17PM

Yes apparently it was so theres nothing i can do about that one just hope for the best... it was only the very first payment and all paid up since.

Set aside or settled ccj

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