County Court Judgments (CCJs)

County Court Judgements (CCJs) and Scottish Decrees may be taken out if a creditor takes you to court to recover any money that you owe them. The credit reference agencies receive information of any CCJs from Registry Trust Ltd, a non-profit making company that maintains the statutory public Register of County Court Judgments issued by the county courts in England and Wales. In addition, they also hold the public Registers covering Decrees in Scotland, Isle of Man, Northern Ireland and Jersey, which they also pass onto the credit reference agencies for inclusion in their files.

Example of County Court Judgment Credit Report Data
Name Date of Birth Court Details
Mr Joseph Jones 18/07/1965 Anytown/095789652
Type Court Date Amount Date Satisfied
County Court Judgment Paid 25/11/2007 £2,690 29/09/2009

How Long is This Data Held on Your Credit Report?

A CCJ or decree will remain on your credit report for 6 years from the date the judgment was made, regardless of whether it has been satisfied or not. However, if you pay the judgement or decree within a month of it being made, it will be permanently removed from your credit report straightaway.

See Also