CCJ coming off report 4 March 2022 at 6:31PM in Credit file & ratings 9 replies 173 views

GreenCat80

Sorry if this is a silly question, I’ve tried searching but can’t find the answer.

If a CCJ is coming off my credit file in April, does that mean it won’t show on there from 1st April? Or will it be on there for April and not show from 1st May? 

[Deleted User]

It'll come off 6 years from being put on. That's unlikely to be exactly the 1st of the month.

GreenCat80

Deleted_User said:

It'll come off 6 years from being put on. That's unlikely to be exactly the 1st of the month.

Oh darn it, I haven’t seen a date, only April. I’m trying to figure out if I can wait that long to apply for my mortgage 😅

MovingForwards

It will give a date it was entered on the credit reference reports.

Mine came off a bit before the 6 years was up.

Remember some lenders ask if you have ever had a CCJ, others ask if you have one. Read the question and criteria carefully.

GreenCat80

MovingForwards said:

It will give a date it was entered on the credit reference reports.

Mine came off a bit before the 6 years was up.

Remember some lenders ask if you have ever had a CCJ, others ask if you have one. Read the question and criteria carefully.

Ah so it might not actually make much difference to the mortgage application then? 

[Deleted User]

It depends on who you're applying to.

Hopefully you're using a decent broker who will place your application with the right lender. You'll want one who understands adverse credit. 

GreenCat80

Deleted_User said:

It depends on who you're applying to.

Hopefully you're using a decent broker who will place your application with the right lender. You'll want one who understands adverse credit. 

Thank you, that’s good advice, I’ve been contemplating not using a broker but you’re right, I should definitely do that! 

GreenCat80

I just checked the MSE credit club to see if I could find a date - 

Court data

There are no County Court Judgments (CCJs) or bankruptcies on your Experian Credit Report.


Does this mean it's gone?!? 😮

[Deleted User]

Make sure you check all three credit reports....

[Deleted User]

CCJ expiry should be picked up by all 3 lenders together, but they may be slow updating their systems so I'd check all 3 (Credit Karma and Clear Score as well as Experian)