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 Callcredit (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.