County Court Judgment (CCJ)

What is a County Court Judgment (CCJ)?

A County Court Judgment (CCJ) is a court’s adjudication that having weighed up the facts, a debt is due.

To obtain a CCJ, a lender has first to issue a Notice of Default. If you do not pay the default, the lender can then ask the Court to issue a County Court Summons for you to attend court. If you fail to turn up at court, or lose the case, you will be issued with a CCJ, which if unpaid within 30 days will remain on your credit file for six years.

If the judgment is paid after the 30 day deadline, it will still remain on your credit report for the remainder of the six years, though it may be marked as ‘satisfied’.

A CCJ is one of several types of adverse credit record that will have a severe negative impact on credit scores and ratings, making it harder to get accepted for any form of credit. In short, if a lender sees evidence that another lender has had to resort to the costs of getting a CCJ to recover monies due, it will be dissuaded from lending more for fear of having to go down the same road.

If you pay the full amount outstanding immediately on receipt of the County Court Summons, you can avoid a hearing or judgment. If not, there`ll be a simple court hearing in private. You can attend if you wish, or just send the information the court asks for by post.

The court doesn`t find anyone `guilty` or `innocent`. It looks at the facts and decides whether you owe any money, and if so, how you should repay it. If the court decides you owe money and you don’t pay, lenders can take further legal steps to get their money, such as using bailiffs.

Under Scottish law, claims are dealt with by the Sheriff Court.

If you have paid off your CCJ it is usually down to you to inform all four credit reference agencies with a `Letter of Satisfaction`, which you can get from the Court, so the CCJ can then be shown as settled or satisfied on your credit report.

We strongly recommend against any offers of credit repair that some companies may present to you these services are illegal and generally only make a bad situation worse.

If you believe your CCJ to be settled or issued against you wrongly then you should contact the court with your case number and they can advise you further.

CCJ information on your Credit Report

If you have an active CCJ, it will show up on your credit report. Your checkmyfile credit report includes information such as:

  • Date CCJ was issued
  • Court Reference Number
  • The amount owed
  • Whether the CCJ is active
  • How long until the CCJ drops off
  • Which Credit Reference Agencies are reporting the marker
  • Contact details for the issuing court

If you haven’t already, you can try checkmyfile FREE for 30 days , then for just £14.99 a month afterwards, which you can cancel online at any time.


Q: Can a CCJ be removed?

A: Unfortunately there is nothing you can do to have a County Court Judgment removed from your credit report if it is accurate and it is beyond the 30 day pay window after the Judgment has been issued.

CCJs will drop off your credit report automatically six years after the date of issue, but lenders and Credit Reference Agencies have a legal obligation to ensure they are reporting accurate data at all times.

Q: What happens if you don’t pay a CCJ?

A: If you cannot pay for the amount owed in one lump sum, a monthly instalment plan may be offered by the claimant. Even though a CCJ can only remain on your credit report for six years, a debt can be owed indefinitely, so it is possible to pay off a CCJ for longer than it appears on your report if the lender sets out a payment plan that takes more than six years to clear the debt.

If you do not pay towards the CCJ, bailiffs may be used to seize items in your property to sell and recuperate the amount you owe or your wages may be garnished until the full amount is paid off.

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