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CCJ Removed from my file early?
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DebbyInDebt
Posts: 38 Forumite
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
Comments
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Anything is possible when people deal with such matters.I`ve had debts disapear off my file, after nowhere near 6 years, and never come back, so yes, anything can happen, keep an eye on it, but don`t be suprised if it re-appears.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-letter1
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Thank you, here is hoping but yes I wont hold my breath it feels a bit too good to be true!Debt
May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared0 -
I have a CCJ and it shows on one of my credit files (ClearScore) but not the other (can’t remember which one). It also disappeared for a while, but reappeared later. Thankfully the older it gets, the less affect it seems to haveDebbyInDebt said:Thank you, here is hoping but yes I wont hold my breath it feels a bit too good to be true!0 -
I've got a CCJ and it shows on all reports and on all the free checkers (ClearScore, Karma, MSE, CreditWise, etc) too.
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?0 -
No the CCj is not appearing anywhere on my file, on the dashboard I have a green light which says no history of ccjs, insolvency or bankruptcyDebt
May 2020: £16,307
June 2020: £10,303
Total: £6,004 / £16,008 (36.82%)
4/10 accounts cleared0
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