Court Information

What is Court Information?

In a credit context, Court Information refers to the publicly-available information held on you or in some cases, people with whom you share your name that may be assumed to be you.

The most common forms of Court Information are County Court Judgments (CCJs), High Court Judgments (HCJs) for larger debts, and in Scotland, Decrees .

Where present, Court Information remains on your credit report for six years from the date of the judgment, whether satisfied or not. It is one of the several types of adverse credit information which will severely affect the ability to get credit, reducing credit scores and ratings significantly.

As a generic term, Court Information relates to all types of money judgments and sometimes also insolvencies which appear on your credit report.


Q: How does it affect my credit file?

A: Court information counts as ‘public information’ on your credit report, which can be seen by landlords and employers that carry out enquiry searches, as well as any potential lenders. Even if the person viewing your Credit Report cannot see any of your credit history, which is true of landlords and employers, seeing a court judgment on a credit file is indicative of potentially serious money problems.

Q: What court information can I see on my credit file?

A: Your checkmyfile credit report will show you the dates of any judgments issued, whether it is active or satisfied, the type and amount of the judgment issued, whether the judgment was disputed, how long before the judgment is removed and which Credit Reference Agencies are reporting the information.

You can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel at any time online.

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