How long will a CCJ stay on my credit file?
The CCJ will remain on your credit file for six years from the date of Judgment. The only way that it will not show on your credit file is if the judgment is set aside or if the full amount is paid within one month of the Judgment date.
Certificate of Satisfaction
When a CCJ is repaid in full a debtor can apply for a Certificate of Satisfaction and their credit file can be updated to show this debt has been paid. Even after this has been done the CCJ will stay on the register for the remainder of the six year period but anyone who checks it will be able to see that it is ‘satisfied’, whereas unpaid County Court Judgments are shown as 'unsatisfied'.
Anyone who checks your credit file will be able to see that you have paid off the CCJ, meaning that you may find it slightly easier to get accepted for future credit.
I have paid with CCJ within one month, is it still on my credit file?
If you have fully repaid the CCJ within one month from the Judgment date then it will be removed from the register, meaning that it will not show on your credit file.
You may have to tell the Court that you have repaid the CCJ debt, so you can ensure that it will not appear on your file. If you are unsure about whether or not it has been removed, you can check the register.
If it still shows the CCJ but you have paid it within one month, you can apply to have the CCJ removed. To do so, contact the Court where the CCJ was issued after getting written confirmation from your creditors to say that the debt has been repaid. The court will inform you if there is an additional fee to pay.