Any CCJ issued against person is entered in Register of Judgment, Orders and Fine. Generally, credit reference agency such as Call Credit Check, Equifax plc and similar keep information about all judgments against persons.
Even if you pay money by your judgment it could seriously affect credit rating and impact on ability to get a loans, credit card, mortgages and credit interest’s rate.
When CCJ doesn’t affect your credit score?
If CCJ was issued and person paid his debt within one month then county court judgment will be removed from registry.
If Default judgment was issued and you wasn’t aware of it. In this case you set aside CCJ and prepare defence trying to settle or win the case. You should access accurately your chance to win and provide solid evidence even to persuade judge to set aside case.
All ways to remove CCJ from Register:
- If default judgment was issued against you and you wasn’t aware about claim and any proceeding, you need to set aside CCJ by completing court form N244. In this case CCJ would be removed and you need to prepare defence or settle the small claim.
- If CCJ is right and you fail to win in the court you could pay a debt within a month. In this case your CCJ would be removed in register. Sometimes it could take couple of week. To be sure that CCJ was removed, it is worth to check Register of Judgment, Orders and Fine
- All CCJ against you is removed in 6 year. This is only way of removing when you need to do nothing, just wait.
- If you figure out that details in Register is wrong you could write a letter to the Register and they check your detail in the court.
Unfortunately, these are limited ways to remove the real CCJ from Register and clear you credit score. Today a lot of company advertise service to clear credit score and remove CCJ with some fee. Such companies usually don’t give any guaranties, they could promise to provide some indefinite service and waste your time and money.
First of all, check register of Register of Judgment, Orders and Fine if you wnat to find out whether or not you have a ccj. The fee is £4 and depends on quantities of searches. Then check credit rating at the one of the most famous reference agency such as Equifax, Call Credit Check or Experian Limited.
If you pay a debt by CCJ after one month unfortunately data will not be removed but it was marked as satisfied or settled CCJ. You can apply for a certificate of satisfied CCJ to the court where small claim judgment was issued.
The only way not to screw your credit score when you got CCJ is pay a debt within a month.