If I Pay My CCJ Will It Go Away?

Posted by Ben Ryland in Dealing with Debt on 23 May 2018 - Ben is a Senior Credit Analyst at checkmyfile.

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.

On a near daily basis we’re asked: "if I pay a CCJ, will it be removed from my Credit Report?" The answer is not a simple ‘yes’ or ‘no’ unfortunately, as it also depends on when it was issued, when you pay it and how much you pay.

If you're unsure whether you have an active CCJ, you can find out more about checking for judgments, or you can check your Credit Report to see any and all judgments in your name. If you haven’t already, you can try checkmyfile FREE for 30 days and then for £14.99 a month afterwards, which you can cancel online at any time. You’ll be able to see what each of the UK’s four Credit Reference Agencies are reporting about you and compare the court records they have.

Will paying a CCJ remove it from my Credit File?

If you can pay the full amount of a CCJ within one month of the judgment being issued, it will not appear on your Credit Report at all. That means it won’t impact your Credit Rating, but the arrears and default that lead to the lender initiating court action will still remain for six years from their date of issue. These markers will affect your Credit Score and ability to take out credit while they are active, but an active CCJ would have an even greater impact overall, which many lenders choosing not to take on customers with one showing in their credit history.

If the full amount for a CCJ is not paid within a month of the judgment being issued, the CCJ will be recorded to your Credit Report, where it will remain for six years from the date of issue. If you pay the remaining debt in full after your CCJ has been issued, it will still remain on your Credit Report, but will be marked as Satisfied, which is visible to lenders.

What if you can’t pay a CCJ within the first month?

If your financial circumstances mean you cannot pay the judgment balance in full within the first month, the CCJ will be issued and will be reported on your Credit Report to all four Credit Reference Agencies for 6 years from the original judgment date when the case was heard by the court.

You may be able to arrange paying in instalments with the lender if you cannot make the full payment, but assuming this payment plan lasts longer than the initial 30-day window to pay, the CCJ marker will still appear on your Credit Report. Once the full amount has been paid off it will be marked as ‘Satisfied’ by the Registry Trust for the remainder of the time it appears on your file.

Some lenders will look more favourably upon a satisfied CCJ than one that has not been paid, but others will not even consider an application where the applicant has a CCJ in any form on their report. Paying the amount owed will however prevent the courts issuing any further proceedings to reclaim the money.

If you are experiencing financial difficulties, visit our Debt Advice Centre for more information.

What if the CCJ isn’t mine?

You shouldn’t have to pay a CCJ that isn’t yours just to make it go away. If you have any doubts about what to do if a judgment is incorrectly registered in your name, contact the lender that has issued it immediately. Any incorrect data on your Credit File can cause issues when it comes to applying for finance, and while incredibly rare, on occasions CCJs can be registered to the wrong person.

Regardless of whether you feel the judgment is accurate or not, acting swiftly makes the process go a lot smoother for everyone, so if you have any concerns do not hesitate to contact the lender.

If I ignore a CCJ will it go away?

The final option, which we would argue does not constitute an option, is to ignore a CCJ. By ignoring the claim, the court can proceed with a ‘Judgment in Default’. This type of judgment happens when the claim forms haven’t been returned, so the court can’t take your financial circumstances into consideration.

This will result in the full claim (plus any court fees or interest) being demanded to be paid in full and enforcement action through County Court Bailiffs can take place. On your Credit Report the CCJ will be reflected as ‘active’, remaining for 6 years on the report from the original judgment date.

Contrary to popular misconception, waiting 6 years for a debt to become Statute Barred does not mean that it has been written off. It merely means that the debt cannot be pursued through court action, so if you've already been issued a CCJ, a Statue Barred status will not help you.

To see how your CCJs will appear when checked by lenders, landlords and even prospective employers, you can try checkmyfile free for 30 days, then for just £14.99 a month afterwards, which you can cancel online, by phone or by email. You'll get access to the UK's most detailed Credit Report, along with helpful support from our professionally-qualified Credit Analysts.

Does a Debt Management Plan Affect Your Credit Rating?

If you’re feeling increasingly overwhelmed by debt and aren’t sure what steps you can take next, the most important thing to remember is that there is plenty of help available and different solutions designed to get your finances back on the straight and narrow.

Published on 18 Jun 2019 by Kevin Pearce

Full Article

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

Do I Have a CCJ? How To Find Out

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, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

Published on 26 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 reasonably common entry on Credit Reports. They can occur against all kinds of credit agreements: everything from mortgages to store cards and 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. For a lot of people, this is where mistakes happen.

Published on 6 Jul 2018 by Kiah Phillips

Full Article


We are rated number 1 for customer service on