How long does CCJ stay on credit record?

[Sunshire]

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 October 3, 2013 by ims21

[ims21]

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.

[dx100uk]

yep

 

paid or not

once entered

it will vanish on its 6th birthday

just the same as any account with a default date.

[Sunshire]

thanks, that's what I wanted to know.