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CCJ (County Court Judgement)

A County Court Judgement (CCJ), is a court order which may be issued against an individual within England, Wales and Northern Ireland, if they fail to repay their debts to the lender.
If you have a CCJ recorded on your credit file, this will unfortunately have a negative impact on your credit rating and will lower your chances of getting accepted by lenders when applying for credit in the future.

How Long Does a CCJ Remain Visible On Your Credit File?

A CCJ will stay on your credit profile for six years, however if you pay the money owed within one month of the court order, you'll be able to remove the CCJ from your file. In order to do this, you'll need a Certificate of Satisfaction.

If the above certificate is issued and you pay the amount after one month, it will be shown on your file as settled, however this will remain on your credit file for six years. Even though it's settled, lenders will see any CCJs on your credit file as a negative entry and it can impact future credit requests.

What Happens If I Don’t Pay a CCJ?

If you fail to pay a CCJ the court are entitled to take further action by enforcing bailiffs, applying a charging order or an attachment of earnings order. However, you can request to adjust your payments, or suspend them if you are genuinely unable to make the required payments.

Can I Get a CCJ Removed From My Credit File?

A CCJ can only be removed from your credit file providing you meet one of the following criteria:

• The debt was settled within 30 days of the CCJ being issued

• It’s been six years or more since the CCJ was issued

• You disputed the CCJ and it was cancelled by the courts

• An insurance company was responsible for the debt

How To Avoid a CCJ

If you’re struggling to make your payments the best option is to seek help from a free debt advice service and they can help you find a debt solution to prevent obtaining a CCJ.

Below are just a few examples of online debt advice services available:

Debt Advice Foundation

National Debtline

Citizens Advice Web Chat

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