How long does a County Court Judgment stay on your credit report?
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County Court Judgments (CCJs) stay on your credit report for six years from the date of the judgment.
After six years CCJs are automatically deleted, whether the judgment has been paid (satisfied) or not.
Judgment deletions are typically processed overnight. This means that if a judgment was registered on 10 March 2008, it would be removed from your credit report overnight on 10 March 2014 and would no longer appear on your credit report as of 11 March 2014.
A judgment can also be removed from your credit report if it has been Set Aside/canceled by the courts.
The courts should notify Registry Trust Ltd (RTL), who should then notify each of the credit reference agencies.
A judgment should usually get removed from your credit report within a month of it being Set Aside.
If a Set Aside judgment is still showing on your credit report after this time, you should send a your Set Aside Certificate to each of the Credit Reference Agencies.
If you send the original certificate, then the credit reference agency should be able to remove the judgment entry themselves. But if you send a copy, they will contact RTL and wait for them to confirm if the judgment can be removed, which can take up to a few weeks.
You can apply for a Set Aside Certificate from the court for a small fee.
Credit Report
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