Have satsfied CCJ from 10yrs ago but not on my credit file. Declare??

[Nurd5855]

Hello,

 

I had a ccj about 10 years a go which I paid off at the time.

 

I have checked my credit file and can find no record of it.

 

I'm not sure which court issued it and am not sure of the details other than it was due to missed payments on a bank loan.

 

My question is this - I would like to apply for a mortgage with my partner in a few months - Do I have to declare this ccj?? Or is it irrelevant?

 

Also

 

This must be on record somewhere, how can I find out the circumstances of it (dates, amount, when it was satisfied etc.....)

 

Thanks in advance for any advice.

[scedminc]

Hi,

 

A CCJ would have been on your credit file but would have dropped of after being on there for 6 years. You would not have to declare this now as it no longer exists. If you wanted to find out the details of it then I suppose you would have to ask the issuing court.

[sam614]

its also removed from central court records after 6 years.

no need to worry at all,you dont have to declare it,and it will not show on credit check

 

sam:plowell detester

[Londres]

Yes, and also, under many lending criteria, lenders wouldn't even count a CCJ that old even if it was on your credit, which it's not.

[Nurd5855]

Cheers all.

 

But surely if I am asked the direct question during an application - 'Have you ever had a ccj', by saying no I'll be telling porkies wont I? And therefore any loan/mortage could be void.

 

After all they dont ask ,'Have you had a ccj in the past 6 years' do they?

[kegi]

in answer to that nerd some do ask that plainly because after that time its not held against ie removed off the credit file in other words for 6 yrs it is after that not , so to me it means no if asked [my own view only]

I had one 30 yrs ago and it lasted for that time also and I bought my house during that time and for the last 20 yrs at least I have never been knocked back for anything . and I do remember on here a couple of lenders were named who give mortgages out based on I CCJ 2 CCJ 3CCJ= A BIT MORE IN % TO PAY to my mind i agree with above if its not there it never was . don't forget no matter what they will still check the register

and come up zilch.

kegi

ps as a added thought do what a relative of mine did ring one up and ask the ? depending on their answer cross them off the list

[martin2006]

i wouldnt mention it even if they ask. its done paid dropped off and forgotten, theres only you remembering it now. it wont affect your mortgage application 1 bit, stop panicking, if u cant find it neither will they.