County court judgments and your credit rating - overview

Summary

It’s easy to find out if a CCJ has been made against you. You can: * search the Register of Judgments, Orders and Fines You can search the Register of Judgments, Orders and Fines online. You’ll have to pay a small fee. The Register will show any CCJs you have against you. You can get a free copy of your credit report from a credit reference agency to see if you have a CCJ against you. It’s a good idea to check your credit report regularly to make sure your information is up to date. If your CCJ is over 6 years old it will no longer appear on the Register of Judgments, Orders and Fines, even if it hasn’t been paid. You might be able to apply to have your entry in the Register removed if you can prove to the court that you don’t owe the debt, or if you paid the debt off within a month of getting the CCJ. If you don't owe the debt, you can ask the court to re-open the case against you - this is called ‘setting aside’ your CCJ. You can only do this if you can prove you have a genuine legal reason for not owing the money. You can ask the court to set aside the CCJ by filling in form N244 on GOV.UK. You’ll probably have to pay a fee for your case to be looked at again. If the court.

Key information

• search the Register of Judgments, Orders and Fines
• get a copy of your credit report
• It’s easy to find out if a CCJ has been made against you. You can:
• You can search the Register of Judgments, Orders and Fines online. You’ll have to pay a small fee. The Register will show any CCJs you have against you.
• You can get a free copy of your credit report from a credit reference agency to see if you have a CCJ against you.
• It’s a good idea to check your credit report regularly to make sure your information is up to date.
• If your CCJ is over 6 years old it will no longer appear on the Register of Judgments, Orders and Fines, even if it hasn’t been paid.
• You might be able to apply to have your entry in the Register removed if you can prove to the court that you don’t owe the debt, or if you paid the debt off within a month of getting the CCJ.
• If you don't owe the debt, you can ask the court to re-open the case against you - this is called ‘setting aside’ your CCJ. You can only do this if you can prove you have a genuine legal reason for not owing the money.
• You can ask the court to set aside the CCJ by filling in form N244 on GOV.UK. You’ll probably have to pay a fee for your case to be looked at again.
• If the court agrees that you don’t owe the money, your CCJ will be removed from the Register.
• Removing the entry could take up to 4 weeks. It should be easier for you to get credit after the entry has been removed.

Practical guidance

• Source: County court judgments and your credit rating - overview

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