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A County Court Judgment (CCJ) is a formal court decision that shows you haven't repaid a debt. If not handled promptly, it can stay on your credit file for six years. Whether the debt is disputed, small-claim related or genuine, a CCJ flags on your credit report - even after you've paid.
Many people don't realise there are legal avenues and payment options that can lead to complete CCJ removal. Our experts explain everything clearly, helping you understand what it is, why it matters and what we can do to help.
Removing a CCJ cleans up your credit file, restoring your ability to borrow with confidence, without excessive costs. It also enhances your financial reputation. Whether you're buying a home, refinancing or planning for your future, a clean credit history is key.