How do I update the credit reference agencies with the status of my CCJ?
If the CCJ is still showing as active even though you’ve had it satisfied or set aside, we can help you.
All you need to do is send us a copy of your Certificate of Satisfaction or Cancellation of Judgment Debt and we’ll do the rest. We’ll get in touch with Experian, Equifax, and TransUnion and ask them to update the details on your credit report. They’ll need to see the original certificate, not a general form of judgment.
You can normally expect the dispute to be sorted within 28 days, and you’ll be able to check that the details are correct on any new Checkmyfile report.
It will stay on your report for the full six years, even if it’s been paid. The only exception to this is if the judgment is paid within the first month of issue, meaning it has been set aside. If the judgment is set aside, it will be automatically removed from your credit report within one month.