How long does a ccj stay on file?

Question

i had a few ccj 6 years ago will this still show on my credit files in uk

Answer 1

Bad credit is removed after 7 years to correct the guy above me.  

Answer 2

Yup - i agree with Clara bell.

6 years after the CCJ is granted, it should come off your credit report.  You can either pay £2 as mentioned below or you can see your experian credit report online for free (as long as you cancel within 30 days).

Answer 3

A large number of County Court Judgements, CCJ's, are the result of undefended summonses. Usually because the defendant is unaware of the response needed does nothing, so the court enters a 'Judgement by Default'.

The Central Registry then passes the judgements to the credit agencies. A debt can be paid off but the judgement stays on record because no one asked for it to be 'set aside'. Simply because they did not know that it was necessary.

There are other reasons, detailed later, which the courts will or will not accept to 'set aside' e.g. A defendant can state that they have been making regular payments But not if the payments have been irregular.

As a reliable guide to get you well and truly established, use the reasons we have listed for you later in this section.

In order to process the removal of a CCJ you need the following details:

1. The original summons

2. The name of the plaintiff. (The one who took out the summons)

3. The name of the court

4. The Case Number - Without the case number the courts will not even read an application. If you do not have this, then contact the central registry and ask for details of the judgement and case number. This will cost around £15, paid to the registry.

Corresponding with the court office

Write to :

Registry of Court Judgements

Registry Trust Ltd

173/174, Cleveland Street

LONDON

WP1 5PE

Tel: [phone]

The court office is open from 10am to 4pm Monday to Friday. When corresponding with the courts please address forms or letters to the Chief Clerk and quote the case number.

Answer 4

if you want to see your credit report at three bureaus like trans union,equifax and experian you can do it at: http://creditscore.pro/

Answer 5

Once it reaches 6 years it should be removed, if not you can apply to see your records and have them ammended for a cost of £2.

see government web page:-

http://www.direct.gov.uk/en/MoneyTaxAndB...

Answer 6

Not sure, I thought all things like that were removed after 5 years. Try getting your credit report from Experian and/or Equifax and you can see for yourself. Think u can even do it on-line