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 BR or CCJ on credit file?
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Junior Member

230 Posts

Posted - 18 September 2014 :  16:41:55  Show Profile  Reply with Quote
37!? wowzers. That's awesome to hear :)

I will do. I have asked them to also terminate my membership when it is done.

As you will know CCJ's bad anytime but BR used to be okay after 3 years discharge, although this is now fine from discharge provided proof can be shown.

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United Kingdom
4590 Posts

Posted - 18 September 2014 :  22:16:28  Show Profile  Reply with Quote
I'm an old git now!

Never had a CCJ thankfully but at least you know that BR will disappear from the record after six years, same as an IVA.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant

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Junior Member

230 Posts

Posted - 18 September 2014 :  22:23:15  Show Profile  Reply with Quote
CCj's do as well but they can still be chased for and always need to be paid. As you say BR and IVA drop off after 6 years.

No comment on the other comment, anything I do say may make me look stupid :D
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Junior Member

230 Posts

Posted - 19 September 2014 :  17:35:33  Show Profile  Reply with Quote
I got a snotty e-mail back from Equifax and they closed my account as I requested.

Done the same with Experian. Will do yearly checks from now on.
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