County Court Judgements

What CCJ information is included in the report?

For each County Court Judgement, the following is provided:

total number of CCJ's
total amount owed and a cumulative total over 3 month intervals
details confirming the date, amount, court, case number and reference number are given for the latest 10 judgements.

The matching is done on name only and shows exact, probable and possible matches. A judgement must be paid within a month of being issued. If the judgement is paid off within the month it is removed and will not be shown in the report. If the judgement is paid after one month then the details remain on the system but will show the judgement as satisfied.

Where does CCJ data from?

UK Data Ltd extracts information from the Registry Trust about County Court judgements or Scottish Decrees brought against companies. The Registry Trust operates the Registry of judgements, Orders and Fines for England and Wales on behalf of the Department for Constitutional Affairs.

For more information please see the Registry Trust website www.trustonline.org.uk

What are CCJ's?

A CCJ is an order from a County Court that the company must pay an outstanding debt. Generally related to non payment of a loan, mortgage etc.

If the debt is paid off, the CCJ will be satisfied and recorded. When settling debts, companies often overlook notifying the court so a judgement may appear unsettled when the debt has actually been paid.

Can i see a sample of the information provided in a credit report?

Yes, you can see examples of CCJ data in the credit reports on our samples page.

Is it possible to get a CCJ removed?

In some cases. There are some options to remove a CCJ from the report:

Paying the CCJ in full within a month - this removes the CCJ from the register.
Paying the CCJ later - you will need a certificate of satisfaction, this will mark the CCJ as satisfied on the report (but stays on it). Anyone who reads the report will see that you have paid what you owe.
Judgment set aside - you can apply for the judgment to be set aside in some cases.
Wait six years - CCJs are removed after six years.
Amend details - if details are wrong, please contact theTrust Online.