If a business owner is taken to court for unpaid debts, such as bank loans, credit card debts, car finance or from other creditor action, these cases are typically dealt with by a country court where a County Court Judgement (CCJ) [1]GOV.UK “County Court Judgements may be issued.

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NB: Since we are limited company specialists only, we cannot offer advice to individuals who’ve received CCJ’s.

CCJ’s and Your Credit Score

Receiving a CCJ can have serious repercussions if it is not dealt with and removed from the credit record as held by the credit reference agency promptly – it may make it harder to borrow and can also affect employment opportunities – [2]GOV.UK “CCJs and Credit Rating.

Whether you are applying for a bank loan, credit card, mortgage or business finance, the CCJ is going to show up on the credit file and severely hamper the ability to enter into these agreements.

That said, there are just three ways to get a CCJ removed or to prevent it being registered in the first instance.

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County Court Judgment

3 Ways to Remove a CCJ from Your Credit Records

A CCJ results from legal action and there are limited routes to tackle the situation. There are just three ways to have a CCJ removed or to prevent it being registered on a credit record in the first instance as follows:

Pay the CCJ within a Month

Although a CCJ can appear on credit records within a couple of days of the judgment, if you take action quickly and the debt is paid it in full to the creditor within a month, its details will be subsequently removed from the Register of Orders, Judgements and Fines [3]Source.UK “Registry Trust

If it is paid within this timeframe and the court is made aware of it, it will be as if the CCJ was never entered on the register in the first place.

It is the responsibility of the creditor that has been paid to inform the court and if they fail to do so then the CCJ will not be removed the public register. When the debt is settled, the creditor should be asked to confirm whether they have informed the court. Otherwise, the business owner can do so directly, they will need to provide proof of payment and payment of a £15 fee.

If the CCJ is paid at a later date, you can get a certificate of satisfaction and the CCJ is marked as satisfied on the public register. Settling the debt in this case,  however, does not remove the CCJ from your credit record. However, it will make it slightly easier to obtain credit. Although the CCJ will still be on the register, credit checks will also show that you have paid what is owed, albeit not on time. Unpaid County Court Judgments are shown as unsatisfied.

Wait Six Years for it to be Removed Automatically

The register holds the details of CCJs for six years from the date of the judgment. After this period, the CCJ will be removed automatically from your credit record. Even if it isn’t paid, the

The register holds the details of CCJs for six years from the date of the judgment. After this period, the CCJ will be removed automatically from a credit record. Even if it is not paid, the CCJ will still be removed, and it will be too late for the creditor to enforce it.

If the CCJ has been on the register for some time, waiting may be the best option for you. However, if is recent, you should consider whether you can afford to hang on for six years with a poor credit rating.

Apply to have the CCJ set Aside

When a CCJ is a “default judgment”, you can apply to have it set aside. These types of judgments are made when the defendant fails to acknowledge the claim or to defend it. If you attended the hearing when the judgment was handed down, then it’s not a default judgment. In a similar vein, if you replied to the claim and admitted to the debt then it will not be a default judgment. 

If you can show the court that there is a prospect of successfully defending the claim or another good reason why you should be allowed to defend the claim, then you can have the CCJ set aside. For instance, the claim form detailing the CCJ may have been sent to the wrong address, so you did not receive it or have the opportunity to pay the debt within a month.

The court can also set aside a judgment if you did not attend the hearing for a good reason. and this resulted in an unpaid CCJ. If it is set aside, the CCJ will be removed from the public register immediately, and there will be no record of it. When exercising its discretion to set aside a CCJ, the court must consider whether or not you made the application promptly. For that reason, it’s important to act quickly once you know that a CCJ has been registered against you so that you have the best chance of the CCJ being set aside. Finally, there are no other ways of removing CCJs from the records. 

Beware Credit Repair Companies

While there are many companies on the internet ready to charge for ‘repairing your credit’. These should be viewed with caution, and consumers who are experiencing CCJ-related court action and credit issues are advised against this by the government approved Money Helper service – [4]MoneyHelper.UK “Improve Credit Score.

Has Your Business Received a CCJ? Free Advice

It is possible to have a CCJ removed from the public register in some cases. However, dishonest credit repair agencies can make promises they can’t keep. If you would like to know more about the three ways you can have your CCJ removed from the register, please call 08000 746 757 or email for free and confidential advice from one of our professional advisers.


All Company Debt insolvency content is written by our licensed insolvency practitioners.

The primary sources for this article are listed below, including the relevant laws and Acts which provide their legal basis.

You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy here.

  1. GOV.UK “County Court Judgements
  2. GOV.UK “CCJs and Credit Rating
  3. Source.UK “Registry Trust
  4. MoneyHelper.UK “Improve Credit Score