If you apply for credit, it may be refused and you won't always know why.One of the reasons could be that a county court judgment (CCJ) has been made against you. A CCJ is made because someone you owed money to:
- took legal action in the county court against you, and
- the court decided that you owe the money, and
- the person applied to court for a court order saying you must pay themoney.
As soon as a CCJ is made, it is usually entered in the Register ofJudgments, Orders and Fines. When a creditor is deciding whether to lend you money, they will usually check on your financial situation with a credit reference agency. The credit reference agency will hold details of your CCJ, taken from the Register of Judgments, Orders and Fines. This may be thereason why credit was refused.
It is possible to get a CCJ removed in some cases. But dubious credit repair companies make promises they can't keep. It's a criminal offence to lie to a court to try to get a CCJ removed. There are some options to remove a CCJ from the register or have the information on it corrected. These include:
- Paying the CCJ in full within a month If you do this, details of the county court judgment are removed altogether from the register.
- Paying the CCJ later You can get a certificate of satisfaction, in which case the CCJ is marked as satisfied on the register (but stays on it). Anyone who checks it will know that you have paid what you owe.
- Judgment set aside You can apply for the judgment to be set aside in some cases.
- Wait six years The register holds details of CCJs for six years. For them to be removed, you have to wait for this time limit.
- Amend details If your details on the register are wrong (e.g. the amount of the CCJ is wrong) contact us once you've searched the register. We will check with the court, and we'll let you know what they say.