CCJ Check – How to find out if you have a CCJ


This article provides a comprehensive guide on CCJs, including how to do a CCJ check, understand their implications, and manage them effectively.


County Court Judgments, commonly known as CCJs, are a serious matter in the UK’s financial landscape.

They are issued in England, Wales, and Northern Ireland when someone fails to repay money they owe.

Here we delve deeper into the process, the potential repercussions, and the steps you can take to mitigate the effects of a CCJ on your financial health.

Understanding CCJs

A County Court Judgment (CCJ) is a type of court order in the UK that might be registered against you if you fail to repay money you owe.

These judgments are one of the methods used by creditors to compel debtors to pay off their debts.

A creditor can apply for a CCJ against you if they believe that you won’t repay the money you owe them.

This is usually the last resort after they’ve made several attempts to recover the money.

CCJs are serious and can have a significant impact on your financial life.

They will appear on your credit report and can affect your ability to get credit, loans, or even a mortgage.

Therefore, it’s crucial to understand what a CCJ is and how it works. In this section, we’ll explore the process of how a CCJ is issued, the legal implications, and the rights and responsibilities of both the debtor and the creditor.

The Impact of a CCJ

A CCJ can severely impact your credit rating. It remains on your credit file for six years from the date of the judgment, making it more difficult to obtain credit, secure a mortgage, or even open a bank account. Some employers, particularly in the finance sector, check potential employees’ credit files, and a CCJ could potentially affect your job prospects.

Moreover, if you receive a CCJ and don’t pay the full amount within one month, the judgment will stay on your credit file for six years.

This can make it difficult for you to get credit or find better deals on existing credit arrangements.

In this section, we’ll delve deeper into the long-term effects of a CCJ, how it can affect your future financial decisions, and the importance of managing your debts effectively to avoid such implications.

How to Check for a CCJ

Checking for a CCJ is straightforward. The most common method is to use the Trust Online system, which maintains the Register of Judgments, Orders and Fines for England and Wales.

For a small fee, you can search the register using your name and address.

Alternatively, you can check your credit report from a credit reference agency.

These agencies, including Experian, Equifax, and TransUnion, will show any CCJs against your name.

Some agencies offer free access to your credit report, so it’s worth checking what’s available.

In this section, we’ll provide a detailed guide on how to use these services, what to look for, and how to interpret the results.

Understanding Your CCJ Report

When you receive your CCJ report, it will contain several pieces of information.

This includes the case number, the court that dealt with the case, the date of the judgment, the amount owed, and whether the judgment has been satisfied.

If the judgment has been ‘satisfied’, it means you’ve paid the full amount. If it’s ‘unsatisfied’, you haven’t paid.

Understanding this information can help you determine the best course of action, whether that’s paying off the CCJ or challenging it.

In this section, we’ll break down each element of the CCJ report, explaining in detail what each term means and how it can affect your financial situation.

What to Do if You Have a CCJ

If you discover you have a CCJ, it’s important not to panic. The first step is to determine whether the judgment is correct.

If it is, you should arrange to pay the debt if you haven’t already.

If you can’t afford to pay the full amount immediately, you might be able to arrange a payment plan with the creditor.

If the CCJ is incorrect, you may be able to have it set aside or corrected.

In this section, we’ll explore each of these options in detail, providing a step-by-step guide on how to navigate each scenario and the potential outcomes you can expect.

How to Challenge a CCJ

If you believe a CCJ is unjust, you can challenge it. This usually involves filling out a form called an ‘N244‘, which you can get from your local county court.

You’ll need to explain why you think the judgment is wrong and provide any evidence you have.

Challenging a CCJ can be a complex process, and it’s often a good idea to seek legal advice before proceeding.

If your challenge is successful, the CCJ will be removed from your credit file.

In this section, we’ll provide a comprehensive guide on how to challenge a CCJ, including the necessary forms, the process, and what to expect during a challenge.

Paying Off a CCJ

If you have the means to do so, paying off a CCJ as soon as possible is the best course of action.

Once you’ve paid, the CCJ will be marked as ‘satisfied’ in the register, and this will be reflected in your credit file.

While the CCJ will still remain on your file for six years, lenders may look more favourably on a satisfied judgment than an unsatisfied one.

If you pay the full amount within a month of the judgment, you can have the CCJ removed from the public register and your credit file.

To do this, you’ll need to provide the court with proof of payment.

In this section, we’ll discuss in detail the process of paying off a CCJ, the benefits of doing so, and how to ensure the judgment is correctly marked as ‘satisfied’.

Preventing Future CCJs

The best way to prevent future CCJs is to manage your debts effectively.

This means making sure you meet all your credit agreements’ requirements, such as making repayments on time.

If you’re struggling with debt, it’s important to seek help as soon as possible. There are many charities and organisations that can provide free advice and support.

You should also regularly check your credit file to make sure all the information is correct.

If you notice anything wrong, contact the credit reference agency to have it corrected.

In this section, we’ll provide practical tips and resources to help you manage your debts, prevent future CCJs, and maintain a healthy credit score.


A CCJ can have serious implications for your financial health, affecting your ability to obtain credit and potentially impacting your employment prospects.

Therefore, it’s crucial to check for CCJs regularly and take immediate action if you discover one.

Whether that means paying off the judgment, setting up a payment plan, or challenging the CCJ, taking control of the situation can help you protect your financial future.



<strong>Maxine McCreadie</strong>

Maxine McCreadie

Maxine is an experienced writer, specialising in personal insolvency. With a wealth of experience in the finance industry, she has written extensively on the subject of Individual Voluntary Arrangements, Protected Trust Deed's, and various other debt solutions.