Ccj's

stuart.jolene

Hello necomer here, i have been given a ccj december 2010 for a window company i couldnt afford once made redundant... anyway.. can you tell me does a ccj continuously harm my record for the duration of 6 years? or does it become less effective as the years go on? , and once the 6 years are up will my credit be back to as it where before i got the ccj? and will creditors be able to see it once its been 6 years? iv never had a ccj before and its wrecked my life i cant remortgage my house to move or anything..

regards jolene

bottleofred

Hi Jolene and welcome to the forum,

A CCJ does indeed affect a persons ability to get credit for 6 years from the date it is applied. If settled within the 6 year period it is marked as settled or satisfied. I'm fairly sure it drops off your credit file 6 years after it has been applied and don't think creditors can see it after this time.

Good luck

Red

thechippy

It drops off after 6 years satisfied or not.
If it's not satisfied after the 6 years, the creditor has to take it back to court to reinforce and although this does happen, it's rare.

fatbelly

Are you paying this off?

If not, maybe you should consider varying the order to an instalment order, to prevent further enforcement action.

Factsheet | Reducing payments or suspending a Bailiff's Warrant on a County Court Judgment