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, 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 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.
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.
We understand that everyone's lifestyle is different which is why our team are available when you are.
There is no hidden or additional fees upfront. Once we have successfully helped you, that's when we request the payment.
With a dedicated case handler by your side, you will always know who you are dealing with throughout the process.
Obtaining a mortgage with adverse credit can be difficult, however, our team can look into your case and provide a plan that could improve your credit score and potentially increase your chances of obtaining a mortgage.
We will try and find an insurance product to run alongside your mortgage so that you are protected in the future.
Our team has access to specialist lenders who may offer mortgage products suitable for circumstances with adverse credit.
Our team are experienced in dealing with many self-employed cases and can provide you with the support and advice you need to help back up your application.
Going through the mortgage journey as a self-employed applicant can be quite a challenge. Our mortgage advisors utilise their experience within the mortgage industry to overcome any obstacles you may experience.
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