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Can a CCJ be linked to a default
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seweller22
Posts: 2 Newbie

Hello, I wonder if anyone can help. I have a CCJ on my credit report, I'm pretty sure I know the company it's for. I also have a default for the same company. I was just wondering if the CCJ could be the result of that defaulted account, or if the CCJ would cancel off the default it originally was? I'm clearing up my credit score, and want to pay them both, but I'm unsure if it's actually just the same debt at different stages and therefore should only pay one?
I hope this makes sense
TIA
I hope this makes sense
TIA
0
Comments
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You don't have a credit score. You have a credit history. Paying the debt will not remove it from your history, it will simply show it as satisfied.
What was the date of the CCJ?No free lunch, and no free laptop0 -
The CCJ was added to my file in 2018. I understand paying things won't take anything off my file, I just wondered if I paid the CCJ, if I would still have to pay the default if it is actually the same debt, or if paying the CCJ will cause the default to show as satisfied. I'm nearly 100% sure the default is the same credit card that the CCJ is for0
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Ask the court or lender to confirm0
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Hi,
You don’t pay a default, a default is an event, not a debt, the default just shows when the account defaulted, and how much was owed at the time.
The creditor then chose to take you to court, and you have a judgement to repay that debt.
Once paid the judgement will show as satisfied, the associated default will show as settled, they are one and the same debt, not separate debts.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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