Ccj Conflicting Answers - Help

[springbulb81]

Does a CCJ come off your credit file after 6 years, period. Or.... does it come off your credit file 6 years after it's satisfied?

Please only answer this if you are 100% sure as all the threads about CCJ's people say both.

[factor-fiction]

See if this helps
http://www.experian.co.uk/consumer/credit-reports-explained.html

[springbulb81]

No, not really. but thanks anyway. Wish someone out there actually knew the answer!

[Eve]

Have a read of this, I can only give a link to the pdf. Should it now work then the form you need is EX320.

http://hmctsformfinder.justice.gov.uk/HMCTS/GetLeaflet.do?court_leaflets_id=215

[ABerrant]

If you had searched the Experian link kindly supplied by factor30 you would see that judgements are automatically removed 6 years after the date of the original court case.

http://experian.metafaq.com/help/Statutory/Credit_report/CCJ_judge_decrees

[tonywiltshire]

I think there are so many variables with what you ask some, highly qualified and helpful, people such as f30 do not wish to give you the wrong information to what appears a simple question, but the possible ramifications are not. The usual time scale for debts is 6 years from the date of the Judgment for claimant letter.
But has your creditor been back to court? Have you made a payment? Have you acknowledged the debt? These and other possible difficulties may stand in the way of free information on the statute of limitations.

[Buenchico]

To clarify the above:
If you pay the debt off within one month of the judgement the court record (which is a public document) is deleted.

If you fail to pay the debt off within one month the court record remains in place for 6 years but you can apply to have it marked as 'satisfied' if you pay off the debt during that period. (There's a £15 fee involved).:
https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating

However credit providers aren't obliged to ignore old CCJs, even if they're no longer on the official register. For example, if you applied for credit now and the lender saw a CCJ on your record, you'd probably be refused credit. If you then applied for credit 10 years later (and then records still showed that you'd been refused credit in 2012) they would not be obliged to take the '6 year period' into account, and could still refuse you credit if they chose to do so.

Chris

[springbulb81]

Yes but credit info only stays on the record for 6 years so they would not know about that if I applied in 10 years time as there would be no record, no?

[Eve]

Your credit record is not the same as the Register of CCJs though, they are separate things.

As regards how long any CCJ you have will be on the Register then ring Registry Trust and ask them so they can reply in your particular circumstances.