CCJ REMOVED YET NO IMPROVEMENT

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Hi all, i have a CCJ and a Bankruptcy on my credit file, both due off this year. The CCJ has now come off however seems to have made absolutely zero difference to my credit score, i appreciate credit scores are largely irrelevant and a construction of the agencies but still i was hoping for a minor improvement. Obviously the bankruptcy is the big one (due off in October) but i had hoped with the CCJ now gone a few more options re loans/mortgages might open up, in fact it seems to have got a bit worse
and my Experian ‘score’ even went down a bit!!
Yours very confused!
and my Experian ‘score’ even went down a bit!!
Yours very confused!
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But the drop in your score isn't a problem - no one ever sees it but you and it has no correlation to your credit worthiness. Lenders will only ever look at your credit files, not the pretend scores and obviously they will happier not to see the CCJ, even if it annoyed Experian.
payments are up to date (and no missed payments) and there aren’t any obvious negatives.. other than the very obvious one!