CCJ stands for County Court Judgement. County Court Judgement is the term for a judgement made against a person or company for debt in the county court. Generally if a CCJ is paid in full within 30 days of the date of the judgement it won’t appear in the credit register. CCJ’s are a matter of public record. They are catalogued and held for 6 years with the Registry Trust. If a judgement is settled after the 30 day period it will be entered into public record and this will affect your credit rating.

All unsecured debts to which you have not paid the contractual payment or the agreed arrangement cold lead to a CCJ.