Effect on credit file

A CCJ is recorded on your credit file for six years from the date of the judgment. After this time, the record is removed. Should you manage to clear the debt within this time, you can ask the court for a certificate of satisfaction. The only way to avoid having your credit file affected is to pay the debt off before the matter goes to court or pay in full within the first month and obtain a ‘certificate of cancellation’ from the County Court, which issued the judgment. They would need to see evidence of payment. 

You will need to complete form N443 (available online) for a certificate of satisfaction or cancellation. 

There is usually a small processing charge of £15 (as of December 2021) but this may be waived if you are on a low income. 

 

How we can help

Lestons has substantial experience in managing such forms and getting your credit file updated to show cleared CCJs so if you have any difficulty please get in touch. Should you wish for our assistance then just create a case by clicking the link at the top of this page, you will then need to deposit a sum equal to one hour’s usage, upon receipt of these funds you will be assigned your personal caseworker who will telephone you to discuss the matter and make suggestions on how to proceed. Please note your caseworker can only give generic advice, their role is to prepare your details for handling by our legal team and to act as your point of contact, they will also issue you with your Password and PIN, these will be needed to log onto your client dashboard. From your dashboard you will be able to manage and view every aspect of your case, upload documents, images, files etc.