CCJs on Transunion only - problematic?

stewartwilliams

Been sorting myself out and I've got one default CC with Lowell that I'm regularly paying back.
Did have a CCJ for HSBC that dropped off my account last year (even though only banked with Lloyds since 1990 something) - apparently a HSBC CC from 2007.

Anyway, once that dropped off, I got an Ocean CC (Capital One) with a £200 limit.  That increased to £800 after 6 months.  Have used £500 of that at present, but that will be cleared when I get paid at the end of the month - long time between pay days!

Got a mobile contract with O2 3 months ago with no issues.

This morning, decided to try the eligibility checker for a Barclaycard (the one that earns Avios for British Airways etc.).  Rejected.

Lloyds Bank have a Transunion credit report checker in their app, and that mentions 3 x CCJs for around £2200 each added in 2019 which can only be student loans (graduated in 2002).  One guess which company did this.  I won't go on about lack of correspondance, no deferment options, wasn't earning the threshold etc.  No chasing these up or anything really - just the occasional statement and I've been paying these at £10/month as they're getting nothing more.

Clearscore and Experian (same thing search wise?) show nothing apart from the default and that hits 6 years in 6 months time.

Is the fact it shows on Transunion going to cause me issues for at least the next year until they drop off?
Means there's probably zero point in ever trying to get anything with Lloyds who I've banked with solely for years now; Barclays is off the table and no idea who else.
(Also, Transunion shows credit utilization of say 80% as it's adding the Ocean card to the defaulted card, so say £1500 used out of £1900)

Nasqueron

The firm may only check that CRA but it's highly likely the CCJ (if valid and still onto 2025) will be seen by other lenders checking Experian and Equifax - you could send both of them a request for your report which they have to give you for free and verify that way