How Long Does a CCJ Stay on Your Credit File in the UK?
A County Court Judgment (CCJ) is a legal decision made when you fail to repay money you owe. Once issued, it can seriously impact your credit score and ability to borrow. But how long does it stay on your credit file?
How Long Does a CCJ Stay on Your Credit Report?
A CCJ will remain on your credit file for six years from the date it was issued, even if you pay it off during that time.
Can You Get a CCJ Removed Early?
Yes, but only under specific circumstances:
- Paid within 30 days: If you pay the full amount within 30 days of the judgment, it can be removed entirely from your credit file.
- Set aside by the court: You can ask the court to ‘set aside’ the CCJ if you didn’t receive notice or had a valid defence. If granted, it will be removed.
What Happens After Six Years?
The CCJ will no longer appear on your credit file after six years, but if the debt remains unpaid, creditors may still chase the money, or debt collectors may get involved.
How Does a CCJ Affect Your Credit?
- It significantly lowers your credit score
- Makes it harder to get approved for loans, credit cards, and mortgages
- May lead to higher interest rates or credit rejections
How Can You Check If You Have a CCJ?
You can check your credit report for free using services like:
Alternatively, check the Register of Judgments for a small fee.
Can You Still Get Credit With a CCJ?
Yes — but it’s more difficult. Some lenders specialise in “bad credit” products, but expect:
- Lower credit limits
- Higher interest rates
- More frequent rejections
Improving your credit in other areas can help offset the negative impact over time.
Need More Help?
If you’re struggling with debt, it’s a good idea to speak with a professional. Free, confidential support is available from: