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How long does CCJ stay on credit record?


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Can someone tell me how long a CCJ stays on someone's credit file please?

 

Is it

1. when a debt is paid off in full (if paid in installments or in one go) at which point it is removed,

 

2) a certain amount of years (6?) after the debt is paid off in full (either by installments or in one go), or

 

3) a certain number of years from the date the Judgment was made regardless of whether it is paid off, in part,

or not (and do dismissed or set aside applications have a bearing on when the clock starts ticking?)

 

Also, how do credit reference agencies ensure that a defendant's address details are current?

 

Many thanks

Edited by ims21
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As far as I am aware it stays on the file for 6 years from the date of judgement. If a judgement is paid within 28 days then it won't show.

 

Credit agencies rely on information they get from creditors/lenders and the individual.

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yep

 

paid or not

once entered

it will vanish on its 6th birthday

just the same as any account with a default date.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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