How do I get a CCJ marked as satisfied on my experian report when i have paid in full?

Answer 1

do you mean a civil judgement? Why not have it removed--ask the lawyer's office that sued you to remove it, pretty please pretty please....
To get it marked "satisfied", you need to take proof of payment to the courthouse, the clerk's office, and they'll update it.

Answer 2

This is actually an easy fix. Hopefully you have a receipt or letter (with the Judgment case number referenced on it) stating that it's satisfied. Make a copy of that letter or receipt and send it to Experian as proof that your judgment is satisfied. If you don't have a receipt, get one ASAP. Here is an example of a letter:
{Date}

RE: Corrections to Credit Report

To Whom It May Concern:

I received a copy of my credit report and am disputing an item that needs to be corrected. I have highlighted the item on the attached copy.

According to the provisions of the Fair Credit Reporting Act (that double S symbol goes here) 611 (a) [15 USC 1681i(a)], the disputed item must be reinvestigated or deleted from my credit record within 30 days. In the interim, this item should be noted on my credit record as "in dispute".

If it determined through your investigation that the disputed item is inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of (double s) 612[15 USC (double s) 1681j], there should be no charge for this report.

If you have any questions or need additional information, please contact me at [phone].

Thank you.

Sincerely,

Your Name
Your Address
City, State ZIP
SSN

I hope that helps!

Answer 3

Once a account is marked as collections it will remain there for seven years..What you could possibly do is call the creditor and let them know that the account was paid in full and tell them you want them to report it as paid in full. However that may depend on how long ago the account was paid off if it has been 1 or more years then leave it alone...because u don't want the stauts of limitation on reporting to start over..

Answer 4

the credit reference agencies should be accountable to the law they say they dont check information given by financial institutions i had a frauduluntly gained debt with a default notice put against it on experian and equifax i had it removed myself within 48 hours and yet solicitors did not get it removed within 13 months

Answer 5

You have a right under the Consumer Credit Act to add such info to your file. The Citizens Advice Bureau will tell you how.