You have a CCJ on your credit file

A County Court Judgment (CCJ), even if it was from a long time ago, still has a negative effect on your ability to get a loan. If the CCJ is small or from sometime ago lenders might be more likely to say yes. However they may not be prepared to lend a higher amount. It will, for example, be almost impossible to get a mortgage if there’s been a CCJ in the last three years.

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.