Help with County Court Judgments (CCJs) & credit records
A County Court Judgment (CCJ) can affect your credit record for years. We help you understand CCJ paperwork and prepare the forms and correspondence to put things right — all in plain English.
Book a free 15-minute chatHow we can help
- Explaining CCJ and judgment letters in plain English
- Helping prepare paperwork to apply to set aside a judgment
- Help requesting a Certificate of Satisfaction once paid
- Explaining the relevant court forms (such as the N244)
- Organising evidence and supporting documents
- Drafting correspondence to the court or claimant
The details, in plain English
What a CCJ is
A CCJ is a court order to repay money you owe. It's recorded on the Register of Judgments, Orders and Fines and usually stays on your credit file for six years.
'Satisfied' vs 'set aside'
If you pay within a month the CCJ can be removed; pay later and it's marked 'satisfied'. A judgment can sometimes be 'set aside' (cancelled) — for example if you never received the claim.
How CCJs affect credit
Lenders check the public register and your credit file. We help you understand the paperwork involved in getting a CCJ marked satisfied or removed where appropriate.
Acting in time
Some applications have tight deadlines. We help you understand important dates and prepare paperwork promptly.
What to gather
Strong, organised evidence makes everything easier. Where possible, it helps to have:
- The judgment or claim paperwork
- Proof of any payments made
- Your credit report
- Correspondence with the claimant
- Evidence relevant to a set-aside application
What we don't do
We help with forms and explanation. We don't give legal advice on the merits of your case.
Frequently asked questions
Can a CCJ be removed?
If you pay in full within one month it can be removed; otherwise it's marked satisfied. In some cases a judgment can be set aside.
How long does a CCJ stay on my record?
Usually six years from the date of judgment.
Can you help with the court forms?
Yes. We can explain the forms and help you prepare them and supporting documents.
Related services
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