We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
CCJ - Set Aside Today - What Next?
themadhouse
Posts: 122 Forumite
I had a CCJ for an unknown debt, at an old address, where a default had never been issued etc.... Reston Solicitors were awarded the CCJ in default (as I didn't know about it).
Today I successfully applied to the court and had the judgement set aside. It shows on my Equifax but not Experian credit report.
What is the process to have the CCJ removed from my credit file? Thanks in advance.
Today I successfully applied to the court and had the judgement set aside. It shows on my Equifax but not Experian credit report.
What is the process to have the CCJ removed from my credit file? Thanks in advance.
0
Comments
-
Nothing, it'll be removed in due course.0
-
Excellent - is there a usual timescale for the CCJ to be removed as an estimate to work towards? Thanks0
-
How are you checking Equifax? If you are doing it through Clearscore then they only update once a month, you need to check it live, go onto Equifax website and do a free check there. If you have done this I would expect it to be updated overnight. If still showing after 24hrs contact them direct.0
-
I have both only got set aside yesterday would it really come off that quick - with equifax be amazing if so!
just checked still on but case was only yesterday.0 -
Get your defence in order, your suit re-cleaned and pressed, and anything else the judge may have directed at your hearing today in preparation for your full case hearing at a future date which hopefully you were advised of.themadhouse said:I had a CCJ for an unknown debt, at an old address, where a default had never been issued etc.... Reston Solicitors were awarded the CCJ in default (as I didn't know about it).
Today I successfully applied to the court and had the judgement set aside. It shows on my Equifax but not Experian credit report.
What is the process to have the CCJ removed from my credit file? Thanks in advance.
By that time, if you win, the CCJ should have been removed. If you lose, it'll remain and extended effective the date of the new finding.
0 -
I would expect it to be off the live reports within 24hrs. Under GDPR the CRAs have a duty to accurately report data, obviously showing a CCJ when it has been set aside is not accurate.themadhouse said:I have both only got set aside yesterday would it really come off that quick - with equifax be amazing if so!
just checked still on but case was only yesterday.0 -
Just be aware that a set aside only takes things back to the pre-action stage, the creditor, can, and most likely will, re-send the papers to your current address, so don`t be too hasty.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
-
The alleged debt is from 200@0
-
I mean 20090
-
You could send a copy of the set aside order to Equifax but it will as others say, be removed anyway - probably within 30 days.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards