Trust Online

Removing a CCJ


It is possible to get a CCJ removed in some cases. But dubious credit repair companies make promises they can’t keep. It’s a criminal offence to lie to a court to try to get a CCJ removed.

CCJ removal

There are some options to remove a CCJ from the Register or have the information on it corrected. These include:

  • Paying the CCJ in full within a month If you do this, details of the county court judgment are removed altogether from the register.
  • Paying the CCJ later You can get a certificate of satisfaction, in which case the CCJ is marked as satisfied on the register (but stays on it). Anyone who checks it will know that you have paid what you owe.
  • Judgment set aside You can apply for the judgment to be set aside in some cases.
  • Wait six years The register holds details of CCJs for six years. For them to be removed, you have to wait for this time limit.
  • Amend details If your details on the register are wrong (e.g. the amount of the CCJ is wrong) contact us once you’ve searched the register. We will check with the court, and we’ll let you know what they say.


Credit repair companies

There are no other ways to get a CCJ removed from the register.

Some disreputable companies credit repair have claimed to do things like ‘legally remove CCJs’. These companies charge for these services, and have encouraged people to commit perjury, laying themselves open to prosecution.

If there is a mistake on the register, you can have it corrected by contacting the court.

If there is not a mistake, you can’t. And lying to the court to try to get a CCJ removed will get you in a lot of trouble.

OFT warning on credit repair

The Office of Fair Trading (OFT) has warned that “the information given by these companies may be wrong, misleading or guaranteed to get you into worse trouble – and ensure that you are even more out of pocket. They may also be a ‘front’ for a lender or broker who is simply trying to sell you a loan.”

As the Director General of the OFT points out “these (credit repair) companies offer nothing you cannot do for yourself. County court judgments cannot be removed from credit files unless they have been discharged (within a month) or were incorrectly granted."

About the registers

Through Trust Online you can search for CCJs, high court judgments (HCJs), administration orders (AOs), child support agency (CSA) Magistrates liability orders, and fine defaults.

Geographical coverage

The register for England and Wales is split into four sections:

Trust Online keeps separate public registers for money judgments in Scotland, Republic of Ireland, Northern Ireland, Jersey and Isle of Man. For more details, see the registers for judgments and fines.

News

Fraudulent bailiff calls

For details click here


Understand CCJs, court orders and fines

Millions of people and businesses have records on the Trust Online registers.  Read our guide to understanding judgments and fines or check out our FAQs and help.

About Us

Registry Trust Ltd is the official Keeper of the Register of Judgments, Orders and Fines in England and Wales. It collects and makes available similar information for other geographical locations ... Read More

RTLsmall

Trust Online is part of Registry Trust Ltd, a non-profit company limited by guarantee