CCJs after discharge.

bcfc1710

Hi apologies if this has been answered many times. Can I chance CCJs to be marked as settled or are they set in stone until 6 years is up?

sourcrates

Even though a CCJ is overturned by Bankruptcy the record that it existed still remains on your credit file for 6 years. However there is no reason to be concerned about how this will affect your credit rating.

Bankruptcy itself will negatively affect your credit rating for 6 years. But this will outlast any affect of a CCJ because it will be the last action recorded on your file.

By the time the record of your Bankruptcy comes off your credit file the records of any old CCJs should also have disappeared.