What is a County Court Judgment (CCJ) and why is it important for my credit score?

November 1 2021

A County Court Judgment (CCJ for short) is a judgment made by a Court.  Typically, they are issued when someone says that you owe them money and where you have not responded or communicated with your creditor (the person to whom you owe money). 

The Gov.UK website gives clear guidance on what a CCJ is, how they are issued and how to refute a claim. 

Having a CCJ registered against you may impact your ability to obtain credit now and in the future.  If you are unsure whether you have a CCJ before you apply for credit you may wish to search the Register of Judgments, Orders and Fines [MR1] (maintained by Registry Trust Ltd[MR2] )[LINK https://www.trustonline.org.uk//].

If you have been refused credit, it may also be useful to search the Register to see if a CCJ is registered against you. 

If you pay the CCJ off in full within one month of the date of the judgment, you can write to the Court with evidence of payment, and the judgment can be removed from the Register. 

If you pay the CCJ off in full after one month of the date of the judgment, you can still write to the Court with evidence of payment.  The judgment will be marked as ‘satisfied’ and will remain on the Register and your credit file for six years.  A satisfied judgment may still impact your ability to borrow.

Here at Lendology, we do not make our lending decisions based on your credit file or score.  This means that if you do have a CCJ, we can discuss this with you, and make a decision based on your circumstances, not your statistics. 

We also do not make interest rate charges based on your credit rating.  This means that everyone who applies receives the same fixed interest rate of 4%, no matter how much you borrow or your circumstances.

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