Parking fine CCJ and mortgages

[froidIci]

Will be grateful for any advice on this!

I discovered (by accident, entirely) - a parking fine CCJ in April 2020, dated just 2 months prior (Feb 2020). All comms about it or the fine itself was sent to an old address we had sold and evacuated in 2018. Naturally, I didn't get any comms, but the minute I found out 2 months after the CCj, I paid it and it currently shows as satisfied on my otherwise excellent credit file.

Since then, in 2021, we moved house and secured a mortgage and said mortgage is currently ongoing. The CCJ was 1 year old when we applied for mortgage, and it seemed to have relatively little impact as in - Natwest lent us the money with a 90-10 LTV ratio.

However, we will do our final house move - in 2025, at which point said CCJ will be 5.5 years old. I would ideally like it to not exist at all by that point, but it wont have been 6 years yet. Is it possible to get it removed from the file entirely by filling in the N244 form on the gov website and paying the court fee? I can see there are online"CCJ removal" companies but I am a bit suspicious of these...

Or would you say I best leave it, given that it clearly did not impact our Natwest mortgage in 2021, when it was 1 year old, so presumably, given otherwise spotless credit scores and reports for both me and spouse, it will be unlikely to make a huge impact when it is much older - nearly 6 years old and nearly gone by the time October 2025 (house move time) comes along?

CCJ removal is fraud committed against you, the rest of the world or both.

I very much doubt a satisfied parking fine from several years ago would be an issue now. If it is then the best thing to do is to tackle the lender as to why when it's a one off.

Do though make sure that your car(s) V5 records show you current address as soon as you move. You'd be amazed how often people get their bum bitten over parking becuase they did not. Often the new householder bins the Notices but gets 'frit' by the Bailiffs and dob you in at your new address.....

Thanks so much have diligently updated all addresses everywhere since!

So in terms of what difference it makes - On Equifax (and Clearscore) - it appears to have little impact now with the credit score (I know the "score" is a meaningless thing!) - is Excellent and at the very top end. On Trans-Union however, it clearly shows clearly as a now nearly 4 year old CCJ and impacts the score. Hopefully that impact lessens on the Trans Union report by the time autumn 2025 rolls around and it is nearly 6 years old..

Like I say, Natwest decided to give us a mortgage no probs in 2021 with the 1 year old CCJ and gave us a 2 % rate with a 5 year fix at a 90-10 LTV, so I am hoping, come 2027, all other factors (excellent credit reports, much greater salaries, much healthier LTV) - a nearly 6 year old CCJ wont make that much of a negative impact...

Come 2025 I mean!

Mortgages don’t get rejected as a straight through process in big banks as they have the funds available to ignore them as and when it suits. An unsatisfied ccj will only impact you if at smaller mortgage providers or when you want to take out a loan / credit card / credit agreement; and that can stick around for beyond 6 years depending on how far back the lender wants to look.

Thanks. this is a satisfied CCJ though and shows as satisfied on the credit file. Its Trans Union's report and score (for whatever the score is worth) that appears to attach massive importance to it..