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 a month.

Certificate of Satisfaction

With a Certificate of Satisfaction, the CCJ will stay on the register but anyone who checks it will be able to see that it is ‘satisfied’, whereas unpaid county court judgments are shown as unsatisfied.

Although the CCJ has been satisfied, it will still stay on your credit file for six years and there is no way to remove it. But once you have paid the full amount of your CCJ, you can apply to Court to ask for the Certificate of Satisfaction. 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 and get written confirmation from your creditors to say that the debt has been repaid, or ask the court to do this for you if you cannot get in touch with the creditor. The court will inform you if there is an additional fee to pay.