CCJ on Credit File? Get CCJ Removed
If you’ve received a CCJ on your credit file? Don’t panic, apply now today to get CCJ removed and consult with our certified debt advisors for how to pay a CCJ.
Variation of CCJ (County Court judgment)
If you have received a CCJ & are wondering how will it reflect on your credit report. Read
Exactly how will a CCJ affect my credit report file?
How long does a ccj stay on your credit file?
Your CCJ will certainly also show up on your credit report (Public records section) for 6 years from the date of the judgment. Your credit report is not noticeable to the public. But if you attempt to secure an additional credit facility, loan providers will have the ability to see that you have a CCJ.
Having a CCJ on your credit report will make it a lot harder to secure more credit. Nevertheless, if you are dealing with personal debt, one of the most crucial things is that you get suitable debt advice to handle your debt problems. Once you are back in control, your credit score data can be repaired.
Get debt assistance – Call us on 0203 318 0990, +44 7779648018 for suitable debt advice and CCJ help.
What happens if you cannot pay your CCJ?
Option 1: Apply to payment amount you can afford on monthly basis
There are two options to ask the court to re-assess the repayment:
This process permits that you ask the court to evaluate the repayment you were told to make towards the CCJ and change them if they are not affordable. This is cost-free to apply, however is just offered if the following problems are fulfilled:
N245 – Application for suspension of a warrant and/or variation of an order.
Received a CCJ and need help and support?
Contact our team for a confidential and no-obligation appointment to discuss your case and get personalized advice.
Option 2: Apply to have CCJ Cancelled or “Set aside” if it ought to not have occurred
Setting aside a CCJ is typically feasible if every one of the following conditions are satisfied:
Struggling to pay a CCJ?
If you are finding it tough to pay your CCJ or you are not exactly sure how much to offer towards repayment, we can assist.
Call us on 0203 318 0990 for debt advice and CCJ help in preparing your case or dealing with repayment under suitable debt plan, in case there are other creditors chasing you for repayment.
FAQ (Frequently Asked Questions)
- Verify CCJ Details: Review the judgment details for accuracy.
- Pay the CCJ: If possible, pay the judgment in full to mark it as “satisfied.”
- Seek CCJ Set-Aside: Consider legal action to challenge an unjust CCJ.
- Wait for Six Years: CCJs automatically drop off your credit report after six years.
- Maintain Good Credit: Keep your credit clean by paying bills on time and avoiding additional debt.
- Dispute Inaccuracies: Contest any errors related to the CCJ with credit reporting agencies.