CCJ

Ollieandbella

Good Morning , can any one help me please ? So 6 years ago all my debts caught up with me ! Etc unpaid catalogue etc etc ! I was issued a CCJ Back in March 2014 , I have worked hard paying all my debts back and trying to improve my credit score ! All my defaults have dropped off 😁 and I have no missed payments in 6 years , my CCJ should be over on the 14 March 2021, I’m so relieved and happy , how much will my score increase? As I want a mortgage , my score is at 451 on clear score at present? THANKYOU 

[Deleted User]

Your score may well drop, as it's a major change.  But don't worry about it, as it's not seen by anyone but you and not a factor in lending.

The important thing is that lenders will view you more positively, potentially increasing your access to credit.

Use a  broker to place your mortgage with the right lender based on your circumstances.

jimbo26

Ollieandbella said:

I was issued a CCJ Back in March 2014 ,

my CCJ should be over on the 14 March 2021, I’m so relieved and happy , how much will my score increase? As I want 

Your CCJ will drop off in March this year, not 2021. As the previous poster said , ignore the score.

Ollieandbella

Of course yes March this year 6 years