DebbyInDebt
Forumite 32 posts
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. The CCJ shows on my file as Discharge date: 4th June. I looked up what discharged CCJ meant and I read that a CCJ is discharged when it's paid within the first month. Could it be that the CCJ was updated as dischrged instead of satisfied by mistake?
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
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. The CCJ shows on my file as Discharge date: 4th June. I looked up what discharged CCJ meant and I read that a CCJ is discharged when it's paid within the first month. Could it be that the CCJ was updated as dischrged instead of satisfied by mistake?
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
Debt
May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared
May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared
0
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May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared
It is listed in a different section from all the other accounts/debts. The original loan the CCJ is from is marked as a closed account with a zero balance. Are you not getting confused with that?
May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared