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Credit Report FAQ


CCJs

  • CCJ is an abbreviation for County Court Judgment. This occurs when someone is taken to court and the judge gives a judgment against them for an amount owed, and possibly additional costs.

  • If you have CCJs The only information the credit reference agency will have is the information they show on the credit report. They have no further information. If you have further queries, contact the court concerned, providing them with the case number. The address details of the court concerned should be shown on the credit report.

  • There are different types of judgments. In England and Wales, money judgments are issued in the county courts, so they are called county court judgments or CCJs. Judgments issued in Scotland are referred to as decrees and are issued through the Sheriff's Courts. Northern Ireland judgments are issued by the Northern Ireland Court Service. They were formerly issued by the Enforcement of Judgments Office.

  • If you pay your county court judgment in full within one month of the judgment date, it will be removed from the register. If a county court judgment which you paid within one month is shown, if you have evidence of the date you paid in full, you can apply to the court to have the judgment removed. Unpaid CCJs remain on your credit report for 6 years from the date of judgment. If the amount was paid more than one month after the judgment, you can apply to the County Court for a certificate to show that you paid and the judgment is 'Satisfied'. You can then provide copies of this to the credit reference agencies, and your credit report will still show the CCJ for 6 years but with the status showing as 'Satisfied'.

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