CCJ Removed from credit file early?

DebbyInDebt

Hello,
On the 4th June I paid off a CCJ that was issued in August 2017. It updated as satisfied on Credit Karma report shortly after - and I understood that it would remain that way on my file until 6 years from the start date - so would drop off in August 2023.

Just checked my report on Clearscore (which comes form equifax?) this morning and in the updates for July - it says court judgement removed - and indeed the CCJ does not exist on my file anymore.

I checked on Checkyourfile - and it's showing that Experian have no report of a CCJ (It was on my experian file until recently) but on Checkmyfile it's still showing that Equifax are reporting it - maybe not updated yet.

CreditKarma still shows it in on my file.

I'm obviously not complaining about this but is it possible that a CCJ could be removed from the account after it's been paid, even before the 6 years is up? Is it likely to appear back on there?

Thanks in advance

DebbyInDebt

Any thoughts anyone?

D3xt3r5L4b

You need to ask the court why it’s been removed. 

DebbyInDebt

Well I dont want to alert them to it so they add it back onto my report I just curious if other people have experienced or heard of this?

PaulW922

That's odd but I agree you don't want to complain too much! You could check against your name at Registry Trust? It is the online portal run by the court service for all CCJs. You have to pay a small fee but it isn't much and it might confirm for you whether or not the CCJ is still there or not.

DebbyInDebt

Thanks Paul, that's good advice - I will do that.
I checked my clearscore report again and can see the CCJ on there but it says "Discharge Date: 4th June" 
I looked up what discharge means and i read that a CCJ is discharged when it's been paid within 1 month of it being filed. I'm wondering if the CCJ was marked as discharged instead of satisfied? 

D3xt3r5L4b

Well if it’s been removed in error they’re within their rights to add it back on again. 

DebbyInDebt

Yes I'm sure they are in their right to add it back but obviously I'd want to keep quiet so that doesn't happen

MovingForwards

Mine says discharged, it just means it's been paid in full and not part settlement.  It shows under the public information bit on Clearscore.

If your is showing on Clearscore it hasn't been removed.

DebbyInDebt

On clearscore It is showing on my june report in ther personal section but at the top there is a notification which says changes to your report this month : ccj was removed.and on the dashboard I have a green light for no ccjs 
I checked my experian report through checkmyfile and mse club and both show no ccj at all.
I checked my Equifax report through credit wise andno ccj reported.
Only one where looks like it is still there is transunion when I check credit karma

jackalnapes

Did you ever find out what happened here? I’ve just noticed the same thing on my ClearScore account - It says next month my CCJ will be removed, but I wasn’t expecting it to expire for another 2 years! Like you, I’m not complaining but I’m a little confused haha