Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

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.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.