CCJ vs. Credit Rating And The Public Register

This debt advice applies to individuals in England and Wales only.

County Court Judgments or CCJs are basically registered in your credit record and on the public register’s database for about six years. Because of this, it can be difficult for you to obtain new credit or get a loan in the future. However, if you pay the entire amount that you owe, your name and details can be removed from the file.

How Long Does A CCJ Stay On My Credit File?

Your CCJ will be posted on your credit record for six years from the date you get the judgment. Most of the time, this can affect your credit file since this implies you’ve missed payments reason why creditor has to apply for a CCJ.

Also, it’s hard for you to obtain a loan or credit once a CCJ is reflected on your credit file. So, if you are barely coping up with your debt payments, it’s better to seek debt advice as early as now. Doing so will help you manage your debt and take control of your finance. Getting advice from debt experts helps you in repairing your credit.

Your CCJ is also recorded in the Register of Judgments, Orders and Fines. This is a public database, which is run by the Registry Trust. The courts sent all the details pertaining to CCJs in this company.

For someone to find out about your CCJ such as potential creditor or lender, a fee of £4 is needed to check the public register. Though your credit file may not be displayed to the general public, a creditor or lender usually check your creditworthiness. In this case, the creditor or lender will find out about your CCJ. After the six years, your details will be taken out from the public register and credit file regardless of whether payment is served in full or not.

Is there A Way to Remove A CCJ on My Credit File?

If you pay a CCJ in full within a month of the judgment, you are eligible to request having it removed from both your credit file or public register.

To apply, you need to secure a certificate of cancellation or satisfaction from the County Court Hearing Center, where the judgment was issued. You must provide proof that you have served the payment of your debt. This is done using a court form application (N443).

Additionally, it will cost a £15 court fee to do this. However, for individuals with low income, this can be done or free. We can help you check whether you are qualified to apply for help with your court charges online.

Once you obtain proof that you’ve paid a CCJ within a month, the court will contact the Registry Trust to remove the CCJ from the public register.

In contrast, if your CCJ is paid more than a month after the judgment was issued, you won’t be legible to apply for removal. In this case, it will remain on file for six years. After such time that you pay off your CCJ, you can apply for a certificate of satisfaction or cancellation. Though this may not take out your name in the public register, it will show that you’ve paid your CCJ.

So, when potential creditor checks your credit file, the chance of getting credit is higher. This is in consideration that you have satisfied your CCJ.

What Happens If I Ignore A County Court Judgment?

You must not disregard a CCJ as your creditor can take court action to compel you. Upon receipt of a CCJ, you have enough time to dispute the judgment and settle for an arrangement. You can check our guide regarding court forms and processes. If you need debt advice we can help. Give us a call at  0800 193 1024.