County Court Judgements (CCJs)

What is a County Court Judgements (CCJ)?

A County Court Judgment (CCJ) is a type of court order in England, Wales and Northern Ireland that may be registered against you if you fail to repay money you owe.

If you’re applying for credit and a county court judgement (a CCJ) has been issued against you, you may want to know whether it will stay on your credit file long enough to affect your future credit applications.

Read on for more information about what to do if you have a CCJ on your credit file while you’re applying for credit.

How long will a CCJ stay on my credit file?

Unless you repay the full amount of the CCJ within one month, it will stay on your credit file for six years.

This is a long time and can seriously hinder your attempts to get a credit card, a mortgage or even a bank account.

How do CCJs affect your credit rating?

Credit reference agencies keep a record of any County Court Judgements (CCJs) issued against you and will display it on your credit file for potential lenders to see.

When you apply for a new loan, mortgage or even a mobile phone contract, the lender will use the information on your credit file to assess whether you are ‘creditworthy’. This means how likely you are to repay the money you are borrowing.

If you repay the full amount within a month of receiving your CCJ through the post, the judgment will be removed from the register and there will be no record of it on your credit file. This means it won’t affect your credit rating at all.

However, if you take longer than a month to repay the amount, a record of this court claim will stay on your file for six years. And even though it will say that you have paid, people searching for your credit history will still see a CCJ against your name.

Can you remove a CCJ from your credit report?

No – if you’re issued a CCJ and you fail to repay the amount you owe within a month, there is nothing you can do to remove the CCJ from your credit report.

To avoid an unpaid debt affecting your future credit applications, the best thing to do is respond to the CCJ straight away – don’t ignore it.

There’s a CCJ on my credit file that I was unaware of…

In most cases you will be told about your CCJ as soon as it is issued against you.

However, if your court papers are sent to the wrong address, you may not be aware of it.

So if you’re having trouble getting credit and you’ve missed repayments in the past, check your credit report to make sure you haven’t got any CCJs on your file.

There are two ways that you can check your credit report, which you should do regularly to ensure your credit status is in good health:

For more information about how to check your credit report, read our guide on how to get your credit rating.