In England, Wales, and Northern Ireland, a County Court Judgment (‘CCJ’) is where a court orders you to pay back a sum of money you owe.

This is publicly available data. This means TransUnion (the Credit Reference Agency we work with to create our Free Credit Reports) can see it, so it will show on your credit report.

You’ll know if you have a CCJ as you’ll be sent a default notice by a court at least 14 days before any action is taken. If you repay the money owed in these 14 days the CCJ won’t be applied. It’s important you don’t ignore the default notice, as the court then can’t consider your personal circumstances, but will still enter you into a judgment. The default notice will be sent to the address that the lender holds, so it's also important your address is updated with your financial account providers when you move.

To find out more information about your CCJ, you’ll need to contact the issuing court. You can find out who the issuing court is by selecting ‘See more’ next to the CCJ. Please make note of the reference number for the CCJ, as they’re likely to ask for this.

We’re only provided with the information that you can see on your credit report, so we’re unable to provide any further information about your CCJ.