Unless you pay the judgement amount in full within one month the CCJ will be recorded on the Register of County Court Judgements for six years. Banks, building societies and other lenders consult the register before deciding whether to lend you money. The booklet 'No Credit' explains what to do if you are refused credit. Obtain this from The Office of Fair Trading, telephone 0870 606 0321.

Credit Repair

Some companies charge for repair services to remove your CCJ off the Register. Remember this can only happen if:

a) You have paid the the amount in full within one month

b) The judgement has been set aside.

Get independent advice before using these companies.

You can have incorrect information removed from your credit file for a small fee. (£2. Date 13/02/06). Contact companies such as Equifax and Experion.

Removing Your Name Off the Register

If you pay the full amount of the debt within one month you can ask the court to remove your name from the Register. You must provide proof that you have paid the debt and will have to pay a small fee to the court. The court will explain what proof is required. Once the court has proof the debt is payed it will cancel the entry on the Register and provide a certificate of proof.


Paying in Full After One Month

If can't pay the debt in full before one month, you can ask the court to record that the debt has been satisfied after the final payment has been made. There is a fee for this and the court will issue a certificate of satisfaction. This will tell any person or lender making a credit search that the debt has been paid in full.

Even when the debt has been satisfied your name will still be on the Register for six years.