You’ve got a recent County Court Judgment

Having more than one County Court Judgment (CCJ) or a very recent CCJ will make it really hard to get a loan. The age of the CCJ matters.

Tip: If your CCJs are almost six years old, it is probably worth letting the time pass. However, if the CCJ is very recent you could pay it off and get a certificate to say you’ve repaid the court order. The CCJ will then be marked as satisfied. But note: a CCJ is only marked as satisfied if you get the certificate. However, this won’t have much of a positive impact on your credit score as the damage is already done.