High Court Judgment

What is a High Court Judgment (HCJ)?

A High Court Judgment, often known simply as an HCJ, is a court’s adjudication that having weighed up the facts, a debt is due.

To obtain an HCJ a lender has first to issue a Notice of Default, you have to ignore it, the lender must then issue a Writ for you to attend court and you either fail to turn up at court or lose the case.

An HCJ remains on your credit report for 6 years irrespective of whether you subsequently pay off the debt. Unlike a CCJ, interest accrues on the judgment debt at a published statutory rate.

A High Court Judgment is one of several types of adverse credit record and will severely impact negatively on credit scores and your credit history and therefore on the ability to get credit. In short, if a lender sees evidence that another lender has had to resort to the costs of getting an HCJ to recover monies due, it will be dissuaded from lending more for fear of having to go down the same road.


Q: Does an HCJ appear on my Credit Report?

A: Yes, like HCJs are visible on your Credit Report and can be seen by prospective lenders, landlords or employers. Any High Court Judgments will be able to view on your checkmyfile Credit Report, along with information about when the judgment was issued, where, how much the judgment was for and how much longer is left until it can be removed.

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

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