CCJs and your Credit Score

suyintalks

Hi there, 

I have an open question to ask -- I've recently found myself in the situation where I'm certain I have a CCJ (long story short I made a very stupid mistake with mistakenly not changing my vehicle logbook address - only my driver's license address + everything else, when I moved house, and didn't receive any letters for a penalty I received), although the CCJ has not yet come through to my account, so I can't see how much it may have affected my rating by. 

The CCJ must hwent to a warrant of control notice (again, because I never received letters), which I paid immediately as I found my car clamped. I believe this means that it is out of the '30 day' period to have the CCJ notified as settled on your account? Anyone know if that's right?

Does anyone have any similar experience of this, and if so how much it affected their credit rating by? At the moment mine is 983, so in a good position to start with at least!

Thank you in advance! And yes I know, an incredibly stupid mistake!

DCFC79

Your rating is only seen by you and only you, your history is what is seen by lenders.

[Deleted User]

suyintalks said:

Does anyone have any similar experience of this, and if so how much it affected their credit rating by? At the moment mine is 983, so in a good position to start with at least!

Your score may go up or it may go down, but that's not important. A CCJ doesn't look at all good to lenders. If your credit history was terrible to begin with though, it may not make any practical difference.

It'll lose its impact with time, but there's no quick solution. Make sure you're at least building some good history, so you have a good base for when it drops off your file.

suyintalks

Thanks both for your comments, it’s helpful to hear and get a feel of what I’m looking at as I just don’t really understand it well. I have a good history so far and no other issues on my credit score, so sounds like all I can do is just keep working on that until this drops off in 6 years time.

Gosh it’s just so frustrating, at the time when I moved house my dad had recently died (I was 26) and I inherited his car and was dealing with so much, I just assumed changing the address on the drivers license would sort all the records. Lesson harshly learnt! 

funkycredit

All you need to do is check Trust online at the address of judgment; there's a small fee but any CCJ must be recorded at Trust Online. 

https://www.trustonline.org.uk/

If it's out of time then speak to a solicitor as could be set aside based on not performing adequate trace checks pre-claim