What is...


In a credit context, an Adjudication usually refers to the ruling of a judge to bankrupt or issue a judgment against a debtor. If a judge rules that you are to be made bankrupt or have a judgment issued against you, the specific entry will appear on your Credit Report as a harmful marker.

Upon Adjudication resulting in a CCJ, the information will be reported via Registry Trust to the Credit Reference Agencies, ensuring that it is displayed on your Credit Report.

How can I check my court records?

The only way to see your court records exactly as a prospective lender would see them is to check your Credit Report for yourself.

checkmyfile makes this process easier by collecting your data held by Equifax, Experian and TransUnion onto a single report.

You can view your Multi Agency Credit Report free for 30 days, then for just £14.99 per month. Cancel online easily at any time.

How will an Adjudication impact my Credit Rating?

The Adjudication itself won’t appear on your Credit Report, so it won’t affect your Credit Rating. That said, any subsequent bankruptcy or court judgment will appear on your Credit Report, causing significant damage to your creditworthiness.

Bankruptcies will remain on your Credit Report for six years, from the start date, and will only be removed once this time has passed if it has been marked as ‘Discharged’.

County Court Judgments will be removed from your Credit Report automatically after six years, regardless of whether the balance is subsequently satisfied or not.

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