Can anyone tell me how long CCJ'S stay on your credit rating please?

In the UK they stay on file normally for 6 years, after that time they automatically drop from your credit file.

This is 100% definate, and the previous answers saying 7 or more years are incorrect! (Check out the URL below for Experian who hold your credit file for proof)

You can only have them removed if you pay in full within 1 month of receiving the CCJ.

However, any time after that when you have paid in full, you can apply to the court that gave you the CCJ to have it marked as satisfied, so that lenders can see its been paid, which makes things a bit better.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

i believe its 6 years. if you%26#039;ve cleared the debt however you can have it removed from your credit rating.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

I%26#039;m told 7 years.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

Six years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

7-years or until the statute of limitations runs out whichever is longer.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

six years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

Most paid off items stay on your report for 7 years or 7 years from the date of last default (of course if it is not paid off it can be sold after that time and show up again for 7 more years or until you finally pay it off).

Public records (ie bankruptcies) stay on for 10 years.

Judgments stay on for 15 years.

A CCJ is a County Court Judgment, so it should stay on for 15 years from the date of issuance.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

%26gt;pointing at SCH%26#039;s Answer...%26lt;

HaHaHa....geez! Hey, I did warn you sweety.

Wrong again. I%26#039;ve posted this answer over and over. You somehow manage to add even more wrong info to it!

Spiff is correct. Please refer to the Fair Credit Reporting Act. Judgments can only stay on your report for 7 years, beginning from the date the judgment is issued.

15 years? Your referring to judgment SOL%26#039;s?

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

As an aside you can have them removed, and its cheap and simple.

To have your judgement set aside you will need to put forward a reason why. You must keep your reason as clear and simple as possible.

I have listed quite a few valid reasons below.

Were you given 28 days notice in order to pay?

Were you living at the address when the summons and judgement took place?

If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the summons.

Did you receive the summons? They are not sent by recorded mail.

Maybe you were unable to attend court and defend yourself.

The judgement should not appear on the credit files if it was paid up within 28 days.

If you agreed to settle %26#039;out of court%26#039; with the plaintiff you should not have received a Judgement.

If you did not receive any notification of the judgement/s made against you, then you can appeal.

Did you agree with the full amount of the judgement at the time, but now only agree with part of the amount?

Was the summons taken out against both yourself and another person jointly. If this is so, did you both receive your summons?

It could have been that you were away from the time between the issue of the summons and entry of the judgement?

Did you receive the summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the judgement would have already been taken out against you?

Did somebody use your name or address to obtain credit, which resulted in a County Court judgement without you knowing?

Lastly...

You can use any of the above reasons to have your judgements set aside.

Remember that no correspondence sent by the courts or the plaintiff is ever recorded. In the majority of cases County Court Judgements fail to comply with every detail.

This gives you the chance of having your judgement/s removed forever.

Go to this link for more info and template letters. Good Luck.

http://www.insolvencyhelpline.co.uk/ccj-...

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years.

if you pay it off you can have a note added to say you have, but the ccj stays therefore 6 years.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

its 6 years they dont allways come off automaticly

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years is correct. When it has been cleared you can then request the court to advise the debt it now %26#039;satisfied%26#039; there is a small charge for this about 鎷?5.00.

The CCJ is NOT removed for the 6 years but the word %26#039;satisfied%26#039; will be put along side it to show any prospected creditors you have sorted your finances

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

After they are paid off they remain on your credit file for 6 years during which time they are entered as satisfied.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

six years unless it is concerning a mortgage then it can stay as long as 12 years.

If you pay it before the time ends you can have a %26#039;certificate of satisfaction%26#039; attached to it on your file