CCJ Guide Factsheet
Guide to how County Court Judgements (CCJ) influence a credit rating
If a CCJ has been declared against you, this may well be a reason for a rejected application for credit.
Why do you receive a CCJ?
A CCJ in most cases is declared because someone you are in credit to may have requested legal action or a court order for the money to be returned. The court will issue the judgment upon having found you guilty and obligated to pay the debts incurred.
Areas Covered
- What happens once the CCJ has been declared?
- How do you find out if a CCJ has been declared?
- What is the time period your information will be held in the Register of Judgements, Orders and Fines?
- Can you dispute the debt?
- Once you have paid will your information be withdrawn from the Register?
- Do the credit reference agencies also withdraw your information?
- What if you pay the debt outside the one-month period?
- Can you clear your debt record?