We speak to clients all the time that have ended up with a County Court Judgement (CCJ) and sometimes they didn’t even know they had one until they were declined for a mortgage. It can be quite difficult if not impossible to remove a CCJ from your credit report once it is on there.Get Started
CCJs are no longer viewable on your credit report after 6 years but it is possible to get a mortgage before they actually disappear. The longer ago it was registered the easier it will be but you can expect to put down a higher deposit than usual if your credit score has been adversely affected.Apply Now
What is a CCJ?
A County Court Judgement (CCJ) is a court order in England, Wales and Northern Ireland that might be registered against you, should you fail to repay money that you owe. A CCJ only be pursued by a creditor when all other avenues of redress have been exhausted.
Can I remove a CCJ from my credit file?
When you receive a CCJ, you will get a short window of opportunity to remove it from your credit file. The court will give you 30 days to pay back the amount owed, if you manage to meet this then the court will approach the registry to get the CCJ removed from your credit file. If you fail to pay back the money that you owe, you will have a permanent record of a CCJ on your credit file for 6 years.
How can I rebuild my credit score after getting a CCJ?
Your CCJ will stay around on your credit file for 6 years from the date that it was issued, so to increase your credit score, you will need to show improvement and reliability. We would recommend that you minimise your applications for further credit and always keep up-to-date with your ongoing financial commitments. It’s also good practice to check your credit report regularly and make sure that all of your details are correct.
Can I dispute a CCJ?
If you want to dispute a CCJ and want to re-open the case against you, you will need to make sure that you can supply enough evidence to why you shouldn’t have been issued a CCJ in the first place. You can appeal the CCJ by completing a N244 form. The fee will be quite large for them to reopen your case, however, if the court agree that you shouldn’t have been issued the CCJ, it will be removed from the register altogether.
Can lenders see a CCJ after 6 years?
The maximum length that a CCJ will stay on your credit file for is 6 years. The impact on your ability to get accepted for a mortgage depends on how long ago the CCJ was issued and the amount that is owed.
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