How to Get a CCJ Removed from Your Credit Record

Do you need to remove a CCJ? We’re happy to point you in the right direction.

Although we no longer offer this service ourselves, we recommend you contact CCJ Removal Services, a not-for-profit legal advice agency that specialises in CCJ Removal Advice & Support. They have a proven track record of successfully removing CCJ’s, evidenced by over 450 glowing testimonials from satisfied clients. They may not be a law firm regulated by the Solicitors Regulation Authority, but they’re a wonderful resource for guidance and will support you every step of the way. They offer a FREE 15-minute Case Assessment to discuss your unique situation and to establish if your CCJ can be removed. If they can help, they’ll outline the process, and clearly explain their affordable fixed fees. You can contact them on 0161 711 1455.

We believe in maintaining transparency and trust with our clients and website visitors. We want you to know that we recommend CCJ Removal Services because we genuinely believe they’ll do a great job for you, but we also receive a payment for this recommendation. This payment does not influence our decision to recommend them, nor does it affect the quality or cost of the legal services they provide to you. We’re here to help you make the best choice for your needs.

We’re sorry we can’t provide direct assistance with CCJ removal at this time. We wholeheartedly wish you success in resolving this matter.

If you have a CCJ on your credit record, this could be disastrous if it’s not removed.

A CCJ is a County Court Judgment. Not only will it stop you obtaining credit, including a mortage, it may also hinder your career. Many employers carry out a credit check to find out whether a prospective employee is suitable!

If you don’t do anything about it, the CCJ will stay on your credit record for six years!

So, what do you need to do about it? How can you get it removed?

Pay the amount ordered within a month

If you pay the CCJ within one month, it will be automatically removed from your credit record. You may decide that this is the most expedient option, particularly if it’s only a small sum of money.

However, if it’s a larger amount of money and you don’t accept that you owe it, you may feel that paying it is unreasonable.

Please note that paying it more than a month after the date of the CCJ will not mean that it’s removed from your credit record. The credit record will however be updated to say that the CCJ has been satisfied. This is of course better than having an unsatisfied CCJ on your credit record but it will still stay on your record for 6 years.

Sit back and wait for six years

If you’ve only just discovered the CCJ and it was entered a long time ago, you may be happy to sit back and wait until the six year period has expired. It will then be removed from your record and will  no longer affect you.

Obviously, this option is less attractive if it is a recent judgment.

Make an application to have the judgment set aside

The court has a discretion to set aside a CCJ in certain circumstances.

If you can show that you have a real prospect of successfully defending the claim, the court will set aside the judgment.

Even if you don’t have a defence, the court may set aside the judgment if there is some other good reason. This may include:

  • the claim form was sent to the wrong address
  • you weren’t aware that a claim was being brought against you because you were out of the country at the time
  • you didn’t know what you were supposed to do when you received the court papers.

For more information about applying to have a CCJ set side, have a look at this blog post and be sure to act promptly!