You have a CCJ from a long time ago

A County Court Judgment (CCJ), even if it was from a long time time ago, still has a negative effect on your ability to get a loan. If the CCJ is from more than three years ago a lender may offer a small loan. However they may not be prepared to lend a higher amount.

Tip: ‘Satisfying’ a CCJ means you’ve repaid it in full. You must pay a fee and submit Form N443: Applying for a certificate to show you’ve paid a court order. However judgments are removed from your credit file after six years. If this date isn’t far away, you may be better off biding your time.