CCJ still showing after 6 years

[BrightSide72]

Hello,

 

I had a CCJ 6 years ago - I settled it in full within 2 months. However

 

• all 3 agencies are still showing it on my file & it should have dropped off this month (it is from Aug 06)
  
• I contacted checkmyfile about this & they said it would be removed after 1st Sept
  
• Equifax are still showing the CCJ as active even though it was paid in full
  
• Checkmyfile have told me that equifax will therefore not remove the CCj from my file even though it is over 6 years old
  

Does this mean I need to go through the process of getting a certificate of satisfaction etc. to get this CCJ removed from my file?

All I have is a receipt from the creditor (from the time of payment) showing the payment. I don't have a letter of satisfaction from them. One cofusing factor is that although I paid it in Sept 2006, the other 2 credit agencies show it as being satisfied in Nov 2008?!

Does anyone have any advice?!

 

Thanks in advance.

[BRIGADIER2JCS]

Hi It matters not if the CCJ was paid it remains for 6 years from the date of the judgement.

Check my file is almost always wrong in my opinion.

It is simple the CCJ remains as a ''Public Record'' for 6 years from the date of judgement paid

or not, unless it is paid very quickly after judgement.

[BRIGADIER2JCS]

With CCJs it is up to the individual to check that the data is correctly reported.

[BrightSide72]

So Equifax should in fact remove it after 6 years regardless of whether they have it marked as satisfied or not? This is good news if true as it will save me a lot of hassle.

[BRIGADIER2JCS]

Yes but you need to make sure it is done.

[BrightSide72]

OK, thankyou. Checked my reports today on checkmyfile and it seems to have been removed from all 3 CRA's so it seems they gave me misleading information.

[BRIGADIER2JCS]

Good result.