Credit Report FAQ
CCJs
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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