How long are ccjs held

It can be useful to review any history that might worry potential lenders. In other cases, it will remain on record for six years from the date of judgment, meaning even once you have paid back the money, anyone searching the register will see that you have had a CCJ issued against you. If you are concerned about your credit history and how it might affect your chances of getting credit, you can read more about factors that affect your credit score.

This article was updated on 2 October ; all information was correct at the time of writing. For up-to-date information, regularly check the gov.

What is the CCJ Register? Who can access the register? How long are CCJs recorded for? Top links Making a small claim Help for victims of rape and sexual violence. Health Coronavirus - rules you need to follow NHS healthcare Help with health costs Discrimination in health and care services Going abroad for dental care NHS and social care complaints.

NHS and adult social care complaints Find out how to complain about your doctor or health visitor. Top links Find your local Citizens Advice Volunteer with us Jobs in our network Press releases Our blogs Read what we're saying about a range of issues. England This advice applies to England: England home Advice can vary depending on where you live. County court judgments and your credit rating - overview This advice applies to England Print.

Get a copy of your credit report You can get a copy of your credit report from a credit reference agency to see if you have a CCJ against you. If you pay the debt within 1 month of the date of the CCJ 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. You might be able to get credit again once the CCJ has been removed. Change an entry in the Register of Judgments, Orders and Fines You might be able to get your entry in the Register changed before the 6 years is up if you pay the debt off more than a month after the date of the CCJ.

You might find it easier to get credit when your record has been changed. Avoid credit repair companies You should avoid credit repair companies who claim to clear debt records. Did this advice help? Yes No. Why wasn't this advice helpful? It isn't relevant to my situation. It doesn't have enough detail. Because having a CCJ against you suggests you have a poor credit record and a history of failing to repay your debt, it can make it more difficult for you to do things like open certain bank accounts, be accepted for a mortgage on a property, or take out a loan.

Having a CCJ is likely to significantly lower your credit score, once again making it harder for you to access future credit. As previously mentioned, as long as you make any payments towards the debt included in your CCJ within one month, you will get the CCJ discharged. A discharged CCJ will be automatically removed from the public register, and you can apply to have it removed from your credit record.

Once you send the form away and the court has proof of the discharge, the court will have the County Court Judgment CCJ removed from the public record and your credit file, although the best advice is to give the credit reference agencies time to update your details. Luckily, there is support available for people in your position. IVA Plan is a debt management company that specialises in free debt advice and guidance for people with money trouble.