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If you pay the full amount within one month, you can get the judgment removed from the register. Write to the court to say youve paid. Youll need to send proof of payment from the person or business you owed money to.
How long does a CCJ stay on your credit file? It will be recorded on your credit file for six years from the date of the judgment. And in most cases, your credit file will already be affected by any missed payments or default notices issued before the CCJ.
Can I dispute or set aside a CCJ I didnt know about? It can come as a shock to discover you have a CCJ you knew nothing about. Some people only find out when they check their credit score, or they get turned down when applying for new credit. In rare cases, the first notice of a CCJ might be contact from a bailiff.
You may get a county court judgment ( CCJ ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond.The judgment will come in the post and will explain: how much you owe. how to pay (in full or in instalments) the deadline for paying. who to pay.
If you pay the debt in full within 1 month of the date of the CCJ, you can apply to the court have your entry in the Register removed. Youll need to get a certificate from the court to prove youve paid off the debt. Youll have to pay for the certificate but the fee can be waived or reduced if youre on a low income.
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The easiest and quickest way to find any CCJs that may have been taken against you is by requesting a copy of your credit report from any of the three main credit agencies: Experian, Equifax, or TransUnion.
Most judgments remain on credit reports for seven years and six months. If this period of time has passed, you should contact the credit agencies and make sure they remove the judgment.
How many points does a CCJ affect your credit score? 250. A CCJ is likely to lose you about 250 points from your credit score. This is an additional loss after likely losing points due to your original defualt.

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