County Court Judgment (CCJ)
Legal & insolvencyA court order in England, Wales, or Northern Ireland stating you must repay a debt.
Overview
A CCJ is issued when a creditor takes legal action to recover unpaid debts. It indicates that payments were not made and can seriously affect your credit profile.
You can avoid a CCJ by responding to court papers or agreeing a repayment plan before judgment.
Why it matters
- It can make borrowing more difficult and more expensive.
- It can affect tenancy and utility applications.
- It signals missed obligations to lenders.
FAQs
Can a CCJ be removed from my credit report?
A CCJ can be removed if it is set aside or marked as satisfied in certain circumstances. You may need to check the court record for details.
Does paying a CCJ improve my credit score?
Paying a CCJ is positive, but the record of the judgment can still affect your score. Building positive history over time helps.
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