I have read a couple of posts saying that ccj's 'drop off' the system after 6 years (which would be 2011 for me) but what does this mean exactly? Will all trace of it just erase after that time, even I have not paid any of it? Or will it only drop off if I pay it. Or will there still be some record of it somewhere, forever, even if I do clear it up?
If I was to pay it off now would there be repurcussions because I did not pay in the first place or what that just be the end of the matter? Would this clear my credit record or would I still have to wait until 2011?
Thanks in advance for your help.