Rebuilding Credit Post Bankruptcy

Fighter1986

So the fight continues.

Both firms who CCJ'd me prior to Bankurptcy wrote to the courts asking the cases be marked as satisfied and the courts have refused to.

I've therefore raised a new case to the ICO, against the County Court Business Centre, who have flat out refused their claimant's formal requests to mark the cases as satisfied. I've been very detailed in my explanation and reasoning - I believe it to be misrepresentative for a credit file to not show a satisfaction date against a CCJ that has been written off by way of a successfully completed insolvency and believe that the previously accepted industry "Best Practices" are lacking behind the new ICO guidance which was revised since GDPR came in...

ICO's own guidance in relation to accounts which formed part of a bankruptcy states:

"The specifics of how it will look vary depending on the CRA but the entries should be marked in such a way that any lender searching your credit file can clearly see that this debt is no longer outstanding and you are not being pursued for it."

I've put it to the ICO that a CCJ which doesn't show a date of satisfaction, doesn't clearly show that the debt is no longer outstanding and that I'm no longer being pursued for it.

The ICO are looking at three month lead times on cases being assigned to a case handler so it's probably going to be quite late on in the year before I see some action but I'm looking forward to what the ICO come back with on this. 

Bruiser2018

Sorry to drag up a old thread did the ico get your ccjs sorted I've been battling the court to do this for two years now 

JadedAngel88

Bruiser2018 said:

Sorry to drag up a old thread did the ico get your ccjs sorted I've been battling the court to do this for two years now 

It's a 4 year old post, the op hasn't been on mse since 2023 so very unlikely they'll respond.

You'd have faired better if you had started your own post and asked within that.

ManyWays

Credit reporting principles say that debts should be closed and marked as partially settled if the account is included in bankruptcy when it is discharged; however, there is no way to mark a CCJ as partially satisfied, and to mark it as satisfied would be inaccurate. I doubt there is anything the court can do without system changes in the court system, registry trust, and the credit reporting agencies. But does this really make any difference to you in practice?