What is...

Court Information

In credit reporting, Court Information refers to publicly available court records, such as County Court Judgments or insolvencies.

How do I check my Court Information?

The UK Credit Reference Agencies receive Court Information primarily from the Registry Trust and the Insolvency Service. The only way to see the court information exactly as lenders will see it during a credit check is to check your Credit Report for yourself.

checkmyfile makes this process quick and easy by gathering your data from Equifax, Experian, TransUnion, and Crediva into a single online report.

You can try your Multi Agency Credit Report free for 30 days, then just £14.99 per month, which you can cancel whenever you like.

How does Court Information affect my Credit Rating?

All forms of court records are considered severe negative markers that can damage your Credit Rating. This includes County Court Judgments (CCJs), High Court Judgments (HCJ), Decrees (in Scotland), and insolvencies such as bankruptcies and IVAs.

Not only will they make obtaining credit more difficult, but because they are publicly available, court records can hurt your chances of finding a job or a rental property too.

How long does Court Information stay on my Credit Report?

It depends on the specific type of information. Judgments last for six years from date of issue, regardless of whether payment is made or not.

Insolvencies, however, are removed once six years pass from start date, but must first be Discharged.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Related Jargon