Skip to main content
Apply Now

Defining County Court Judgments

If you have a County Court Judgment, or CCJ, against you, you may find it harder to get credit.  A CCJ is issued (in England, Wales and Northern Ireland) when a court decides that you owe someone money, and it stays on your record for six years, flagging up to potential lenders that you may not be creditworthy.

What Are County Court Judgments | Debt Consolidation LoansThe question “Do you have any County Court Judgments against you?” appears on various documents, including on the reference form when you apply to rent a property.

If you have a County Court Judgment against you, it is worth considering:

  • paying it off in full within the first month – you can then get it removed from your record
  • paying if off in full after the first month – you can then apply to have it marked “satisfied”
  • making regular payments – this is recorded and lenders may look upon it favourably

Useful information can be found at, where you can also find details about:

  • how to search for County Court Judgments against you (for a small fee).
  • how the law is different in Scotland.

If you are refused credit unexpectedly, check that there are no County Court Judgments against you that you don’t know about – this can happen if the court sends the original notification to the wrong address, for example.

Debt Consolidation Loans are a UK based Debt Consolidation Loans Broker, We can help with debt consolidation loans with defaults.

Visitors also read:

What to Do if You're Furloughed and in Debt  | Debt Consolidation LoansDebt Consolidation
June 15, 2020

What to Do if You’re Furloughed and in Debt 

furloughed and in debt Furloughed and in debt COVID-19 has had long-lasting, negative effects on the UK economy and many businesses have either had to fire or furlough their employees.…
Annual Percentage Rate of Charge - APR | Debt Consolidation LoansGuides
August 24, 2015

Annual Percentage Rate of Charge – APR

The purpose of APR (Annual Percentage Rate of charge) is to make it easier for the consumer to compare deals like for like and it is used on lending such…
Evictions Postponed Until End of March but Cars Can Be SeizedPersonal Finance
February 2, 2021

Evictions Postponed Until End of March but Cars Can Be Seized

Almost everyone is feeling the financial strain of these multiple lockdowns especially since we near the 12-month anniversary of the first. Assistance brought in to help during the first wave…
Pensioners in Debt | Debt Consolidation LoansDebt
September 11, 2015

Pensioners in Debt

Pensioners in debt Figures released recently show that pensioners are in debt: thousands of older people are struggling with debt and many have opted to cash in their pension pots…
good debt vs bad debtDebt
October 22, 2020

Good Debt vs Bad Debt

What is Good debt vs bad debt? Good debt is money that’s owed for things that can increase or help to increase your income over time. These include mortgages and…
debt consolidation for bad credit in UKDebt Solutions
October 22, 2020

What is debt management?

Many people across the UK find themselves struggling with mounting debts, however, all debt problems are solvable with time and an effective plan of action. Becoming debt-free will not happen…

Leave a Reply

one × five =

Close Menu