Having a CCJ on your report will significantly lower your credit score. Your credit information is checked by lenders when you apply for credit, and a CCJ can negatively affect your ability to get a loan, credit card or even a bank account. Employers and letting agents may also check your credit report — and therefore see your CCJ — before they hire you or let you rent property. You can carry out a CCJ check and also see what else is on your credit profile by checking your Experian Credit Report.
A CCJ will stay on your credit report for six years, even if you pay it off during this time. This is a number between that reflects your credit information. The higher it is, the better your chances of being approved for credit. You can ask us and the other two credit reference agencies to remove a CCJ from your credit report if you can prove that:.
Once you have evidence that a CCJ should be removed from your report, please get in touch. If you haven't been notified of a CCJ by post, but there's a CCJ on your credit report, your first step should be to identify the case number and contact the court where the judgment was made.
One way to find these details is to get your Experian Credit Report. When the CCJ is removed, your credit score should go up too — making you an all-round stronger applicant for future finance.
There are three ways you can do this:. If you need more time to defend the claim or only pay what you think you owe, you can ask for a further 14 days to respond by filling in the acknowledgement of service form in the response pack and sending it to the court address on the claim form. Any record of defaulted payments and CCJ will stay on your credit report for a period of six years from the date of the judgment, even after you have paid this off.
The good news is that its impact will reduce over time, particularly if you handle any subsequent credit correctly. This looks better than having an unpaid outstanding judgement but could still cause problems when applying for credit.
The impact of your CCJ will also reduce over time, but there are a few things you can do to help improve your score in the meantime:. If you pay your CCJ within a month of it being issued, or if six years have passed since the date the judgement was issued, it should be removed from your credit file.
If a CCJ is still on your credit file after six years, despite being marked as satisfied by the court, you should contact the credit referencing agencies individually to have your details amended. Top links Find your local Citizens Advice Volunteer with us Jobs in our network Press releases Our blogs Read what we're saying about a range of issues. England This advice applies to England: England home Advice can vary depending on where you live.
County court judgments and your credit rating - overview This advice applies to England Print. Get a copy of your credit report You can get a copy of your credit report from a credit reference agency to see if you have a CCJ against you. If you pay the debt within 1 month of the date of the CCJ If you pay the debt in full within 1 month of the date of the CCJ, you can apply to the court have your entry in the Register removed. You might be able to get credit again once the CCJ has been removed.
Change an entry in the Register of Judgments, Orders and Fines You might be able to get your entry in the Register changed before the 6 years is up if you pay the debt off more than a month after the date of the CCJ. You might find it easier to get credit when your record has been changed. Avoid credit repair companies You should avoid credit repair companies who claim to clear debt records. Did this advice help? Yes No. Why wasn't this advice helpful? Before you apply, use our eligibility checker to find out your chance of acceptance before you make a full application.
Find out more by visiting our enquiry page. Who will see my CCJ? How does a CCJ affect my credit record? Can I remove a CCJ from my credit record?
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