Uk debt: CCJs on file from statute elapsed debt?
Out of the blue, I just received a letter from a debt collection agency for a debt I defaulted on in 1998. I understand that it is not enforceable but I’m wondering – do CCJ’s get wiped from the file after 6 years too?
If I were to go to one of those firms that checks your credit rating for you, would it show any defaults or CCJs from over 6 years ago? If not then there’d be no reason I can’t get a current account, credit card or mortgage, right?
I always stayed clear of those credit rating repair firms, on the basis that asking for your credit status would alert all collection firms to you. Now everything is unenforceable, would they be worthwhile, just to see the state of my credit rating?
CCJ’s and Defaults will only show up on your credit file for 6 years.
If you go onto www.experian.co.uk or www.equifax.co.uk it will show you on there anything held against you. I would recommend you check both as most banks etc use both.
However, if you defaulted on the debt in 1998, they could carry on chasing you for that debt if it hasnt been cleared off, which means they could then carry on and now try for a CCJ which of course would then show up as a current CCJ as of the date that it gets granted.
Asking for a copy of your credit file from the above sources does not alert anyone to you, its simply information that is held on file for organisations to access to see what kind of risk you are.