County Court Judgement

A county court judgement is a judgement for debt in the county court. If a judgement is settled in full within 30 days of the date of the judgement it will not appear in the credit register. A judgement may be set aside, varied and suspended on application to the court. Judgements are registered publicly with Registry Trust and held for six years.

In the event of a payment after that date the judgement will appear in the register but will be shown as being satisfied.

However a satisfied judgement will, in most cases, show on your credit history and will treated as adverse credit history.

Unfortunately, unless the CCJ has been registered by mistake you will be unable to remove it. To find out more about your credit history, and what information is held on you visit these links:

www.uk.experian.com
www.equifax.co.uk

If you have experienced a county court judgement and it has had a negative affect to your credit history you may still be able to obtain a remortgage via specialist lenders, otherwise known as sub prime mortgage lenders.