Do I Have a CCJ? How To Find Out

Posted by Jamie Mackenzie Smith in Dealing with Debt on 26 March 2019

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active. To see if you have any active CCJs or to find out the status of all your existing judgments, you can check your Credit Report at any time.

How to check for a CCJ

There are two main ways you can check whether you have an active CCJ:

Check your Credit Report

Any CCJs being reported in your name will appear on your credit file. You’ll be able to see:

  • The date the CCJ was issued
  • The unique court reference number, which you can give to the issuing court for more information
  • The full amount owed
  • Whether the judgment is active or has been marked as satisfied
  • Whether the judgment was disputed
  • How long until the CCJ will be removed from your credit file
  • Which Credit Reference Agencies are reporting the CCJ

If you pay the full amount owed within the first calendar month of the judgment being issued, it will not appear on your Credit Report.

If you haven’t already you can try checkmyfile free for 30 days, then for just £14.99 a month which you can cancel at any time. You’ll get full access to the UK’s most detailed credit report, showing you data from 4 credit reference agencies, not just 1.

Check the Registry Trust

You can also check the Registry Trust for information about CCJs related to yourself or anyone else. This can be done online for £6 per person searched, but comparatively it offers less information than is available on your Credit Report.

Information available from Registry Trust is limited to names and addresses, court reference numbers, the date of judgment and whether the debt has been satisfied.

Who can see my CCJ?

Because court information is part of the ‘public’ information that makes up your Credit Report, it will be visible on all types of credit search carried out, which means it will be visible to lenders as well as potential employers, landlords and utility companies that carry out credit checks.

Where do CCJs come from?

A County Court Judgment (CCJ) is generally only issued by a lender once they have exhausted all other methods though following a CCJ additional tactics can be deployed such as the use of bailiffs.

In order to obtain a CCJ, a lender must first issue a default notice, and assuming they receive no response (or one it disagrees with), will then ask the court to issue a summons.

Once a summons has been issued, you then have one month to settle the amount in full to avoid the hearing and lodging of the judgment against you. If you do, a Certificate of Satisfaction will be issued, and no further action should be taken.

Fail to pay within a month, and the court will issue the judgment, and decree how the debt should be repaid. A CCJ will be added to your Credit File, and will remain there for six years, regardless of whether the debt is subsequently settled.

See how court records appear on your credit report

Because of the steps outlined above that a lender and court must take in advance of issuing a judgment, it’s very rare for one to be listed against you without your knowledge, but if you want to know if there’s a CCJ is on your credit file, or when one is due to be automatically removed, your first port of call should be checking your Credit Report to see what is being reported to prospective lenders.

If you intend to apply for any form of credit now or in the future, it’s important to understand the status of any CCJs, past or present, and the affect they can have on your ability to gain finance.

How do you pay a CCJ once it’s been issued?

Once a CCJ has been issued, it will also show whether the outstanding debt has been settled or not. Whilst the very presence of a CCJ will severely impact on your ability to get credit, settling the debt and having it marked as ‘satisfied’ will be visible to prospective lenders, which some lenders may show more lenience towards. More importantly, it will stop further attempts to recover the debt by the lender concerned.

You can settle the outstanding amount by going straight to the lender. Bear in mind though, that a court judgment will remain visible on your Credit Report for the full six years, regardless of whether it is settled.

In extreme cases, where a CCJ remains unpaid, the lender can request a charging order on the value of your home, payable upon sale of the property.

Can a CCJ be removed?

If a CCJ is valid, you have one calendar month from the date of judgment to pay the amount owed in full. If you do this, the judgment will not appear on the public register or on your Credit Report. If you do not pay in this time, the CCJ will be issued, and unless you can prove it was issued in error, it will not be removed until six years have passed.

Once a CCJ has been placed on your Credit File, it is very rare that it will get removed before the six-year period is over, even once it has been marked as settled. Lenders and Credit Reference Agencies have a legal duty to accurately report your credit history, so information can usually only be removed if it is incorrect.

Under rare and exceptional circumstances, a CCJ may be “set aside” if it was found to be issued as a result of a mistake, such as the court summons being sent to the wrong address, but not as a result of the debtor not updating the creditor with their new address.

Even if set aside, a CCJ will not immediately be removed from your Credit Report, it just starts the judgment process again, meaning there will be another trial. If the outcome of the trial is that the judgment is valid, you will have to wait six years from the date of the second trial for the CCJ to drop off, so it is in your best interest to have conclusive evidence before applying for a judgment to be set aside.

How to find out what a CCJ is for

Your Credit Report won’t specifically tell you what your judgment is for, but, you can use the court reference number provided to get in touch with the issuing county court and query the judgment further.

If you’re unsure about the status of any CCJs that may be in your name, you can try checkmyfile free for 30 days and then just £14.99 a month afterwards. You’ll get full access to all court records reported on your by the UK’s four main Credit Reference Agencies.

Updated 26/03/2018 by Jamie Mackenzie Smith

Late Payments & Defaults: What's The Difference?

When a lender checks your Credit Report, one of the most important elements it considers is payment history as reported to the Credit Reference Agencies. On a perfect applicant’s Credit Report, every credit account would be reported with a clean payment history, indicating that they are a low risk to the prospective lender, but in the real world this isn’t always the case.

Published on 23 Apr 2019 by Tom Blandford

Full Article

Do I Owe a Debt If It's Not On My Credit Report?

Information that appears on your Credit Report should (in most cases) follow a fairly predictable lifecycle. But don’t think that if an unpaid debt no longer shows up, you’re no longer responsible for it.

Published on 21 Apr 2019 by Tom Blandford

Full Article

Do I Have a Default? How to Find Out

For lots of lenders, coming across a default on your Credit Report is a troubling sign. It’s certainly more serious than a missed payment or arrears on your file, which are likely to have less of an impact on your chances of being approved. A default represents a key moment in the eyes of a lender: it shows that on a previous credit agreement you stopped being a borrower and became a debtor.

Published on 29 Mar 2019 by Jamie Mackenzie Smith

Full Article

How Bankruptcy Affects Your Credit Rating

In terms of negative information that could appear on your Credit Report, evidence of bankruptcy or other forms of insolvency is about as serious as it gets and it’s likely to adversely affect your ability to take out new forms of credit for a considerable amount of time.

Published on 7 Mar 2019 by Tom Magor

Full Article

Insolvency and its effect on your credit score

Contrary to the belief of some, insolvency is not a ‘get out of jail free card’. When you are declared insolvent, the entry remains reported for six years on your Credit File and will continue to pose a significant barrier to your chances of obtaining credit – even after the insolvency is discharged.

Published on 30 Jan 2019 by Tom Blandford

Full Article

Can you go to prison for debt

The short answer is: yes, you can go to prison for debt, but only if you fail to pay your council tax, any magistrates fines, TV license or fees relating to a motoring offense, and even then there are plenty of methods that are usually tried before a prison sentence is carried out.

Published on 22 Aug 2018 by Barry Stamp

Full Article

Northampton Court CCJ – Why is it on my Credit Report?

If you’ve been issued with a CCJ, chances are that it could appear on your Credit Report as having come from Northampton County Court Business Centre (CCBC), even if you or the claimant have no ties with Northampton whatsoever.

Published on 31 Jul 2018 by Jamie Mackenzie Smith

Full Article

What Happens When You Miss a Payment?

Late payments are a common entry on Credit Reports and can occur against all credit agreements – everything from mortgages to store cards. Unless you have a Direct Debit set up to make repayments automatically each month, you’re reliant on remembering to physically make your repayments each month and inevitably, mistakes happen.

Published on 6 Jul 2018 by Kiah Phillips

Full Article

If I Pay My CCJ Will It Go Away?

2017 saw the highest number of County Court Judgments (CCJs) issued in England and Wales since records began in 2005, according to official figures by Registry Trust. That means it’s more important than ever to make sure you know what to do if you get issued with one, and how to prevent one appearing on your Credit File in the first place.

Published on 23 May 2018 by Ben Ryland

Full Article

Understanding a default notice and what to do when one arrives

No one wants a default on their credit file, but sometimes there’s little you can do to prevent it. Perhaps your household income dropped due to redundancy, you’ve suffered an illness or an unexpected large expenditure has cropped up. Whatever the reason, in times of hardship financial commitments are often among the first things to be affected.

Published on 21 Mar 2018 by Ben Ryland

Full Article


We are rated number 1 for customer service on