If you pay your entire debt in full to the creditor to whom you owe the money, you can then make an application to have your CCJ set aside and the entry taken off your credit file and the public register. To achieve this, you have to make an application to the County Court hearing centre that issued the CCJ for a "certificate of cancellation" using the N claim form, which you can phone to request or download from the internet.
You will also need to supply them with proof that you have paid the entire debt you owe in full within one month. If you have a low income, however, it's possible you could submit the claim form for free without needing to pay the fee. Once you've submitted evidence of your payment of the whole CCJ debt you owed, within a month to the court, they will then get in touch with the Registry Trust.
They will then take the CCJ entry off the register as your debt will have been satisfied. Paying off your CCJ over a month after receiving the judgment won't remove the entry from the public register. It will still appear against your name for the full six-year period. Paying the debt off in full could still be helpful to your credit score though, as you can make an application for a "certificate of satisfaction" using the same process as above, showing that all the payments have been made to cover the entire debt.
Although the CCJ will still be on the register, any credit reference company checking will see that you have paid all the outstanding money to the company in question and that your debt has been satisfied. As a result, you may find it simpler to get credit before the six-year period has elapsed from the date of the judgment.
You should never ignore any debt. If you owe money to a company or creditor and cannot make repayments, you need to get advice straight away. If you ignore a CCJ, the company could take more legal action against you. One positive thing to note is that the negative impact caused by a CCJ goes down over time.
This means that a CCJ on your credit file from a mistake 4 years ago is less likely to cause issues than a brand new one; especially if you have shown responsible financial behaviour since then.
As time goes on, your credit should improve from the damage caused by a CCJ as long as you follow the terms and conditions of your CCJ and all other credit agreements to prevent any default on a payment. The truth is that it can be difficult to remove a CCJ from your credit file once one has been added, even once you fully repay the amount. It may be worth taking the proper steps to have it removed if you believe you can make a good case. One other option to consider is adding a notice of correction to your file.
A notice of correction offers you an opportunity to add an explanation to individual items on your credit file. For example, if you got a CCJ for failing to pay your mobile phone bill because you were ill in the hospital, you could add a notice of correction explaining this. A notice of correction will not improve your credit score but lenders will be able to read it when making a decision to lend to you or not.
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County court judgments and your credit rating - overview This advice applies to England Print. Get a copy of your credit report You can get a copy of your credit report from a credit reference agency to see if you have a CCJ against you. If you pay the debt within 1 month of the date of the CCJ If you pay the debt in full within 1 month of the date of the CCJ, you can apply to the court have your entry in the Register removed.
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