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.
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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, for a free mortgage appointment. Once you get in touch, as a mortgage broker, it's our job to help you try and get a mortgage with a CCJ.
Apply NowWhat 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.
How can a mortgage broker help me get a mortgage with a CCJ?
A mortgage broker like us has access to specialist mortgage products, some of which have been made for applicants with CCJs.We will look at your CCJ, check how recently it has been issued and see whether you'll be able to get a mortgage or not. If you match the criteria for a mortgage, you may need to put down a higher deposit to show your reliability; our advisors will talk you through all of this.
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UK Moneyman's recent financial health check was incredibly thorough, well-communicated and professional and had a very positive outcome in terms of excellent income protection cover. They have also sourced two excellent mortgages for me on my...
I have used ukmoneyman's services for two mortgages and they have been absolutely amazing! My case had particular challanges, complexities and some technical misfortunes here and there. However Lyndsey and Leo have always kept me up to date,...
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We needed a specialised mortgage so using a broker was a no brainer. We didn't know what to expect but UK moneyman made the whole process smooth for us. Communication was amazing. Thankyou to Leo and Kerry.
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This team really are fantastic, I carried out a RTB mortgage and they have executed perfectly, thanks again to the whole team. Very professional and fast acting.
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We contacted UK moneyman as our first mortgage advisor didn’t work out. After our first conversation things moved quickly, they were thorough with what information we needed to give them, which meant when it came to applying for the mortgage...
IT WAS LOVELY TALKING TO Helen today She was very professional and friendly and very helpful I am looking forward to her colleague Thomas calling me back at 3:30 as a range from conversation on telephone
Everyone at UK Moneyman was really helpful, polite and efficient throughout the process of getting our mortgage offer. As first-time buyers, the process seemed very overwhelming at the beginning but Charlie talked us through each step at the...
Dale was very good and very prompt thank your for your help dale
I spoke to Leaghne and she was very helpful and very patient and polite in all discussions we did. It was very easy to get through.
Really helpful and friendly team that got us the mortgage we wanted.
The service from Charlie and Chloe was outstanding! Charlie was by our side through all the start of the process and Chloe took over later on and helped with every issue we had to make sure everything ran smoothly. They both went above and beyond...
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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
