Will repaying CCJ immediately leave an unblemished credit history?

Dear James,

Could you help me please? I have just been served with a CCJ (county court judgment). I have contacted the court they have told me if I pay the balance within the next 28 days they will remove both the CCJ and the default from my credit history, leaving just good credit – is this correct? I have checked the web and this doesn't seem to be true – could you shed any light on this?

George, Liverpool

Dear George,

I have good news and bad news for you. If you repay a court judgment within a calendar month it certainly shouldn’t be registered on your credit report. I’m afraid, though, that this has absolutely no effect on any default records that have been registered on your report. They stay on your report for six years (from the default date) and can only be removed earlier than that if the creditor in question agrees to it. It’s worth checking your credit report a little while later just to make sure the judgment has been removed. You might also be able to identify actions you can take to improve your credit history for the future. While you’re being proactive, why not check out the Money Advice Service’s free health-check tool for a quick money makeover? (April 2012)

James
                        Sign

  • Experian Credit Report
  • Experian Credit Score
  • Email and text alerts
  • Dedicated UK based call centre

 

* Monthly fee of £14.99 applies after trial, new customers only. You may cancel your trial during the 30-day trial period without charge.

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Credit Report Help Centre

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Identity fraud explained

£2 Statutory Credit Report

Provides you with a one-off view of your current and past credit history.

£2 Statutory Credit Report