All judgment issued against individuals or companies are kept in public register of Judgment generally known as CCJ register - The Register of Judgments, Orders and Fines. CCJ register which is Registry Trust Ltd contracted by the Ministry of Justice.
As soon as Judgment was issued against individual or company this data is transferred to the CCJ records.
Only way not to hurt a credit score is to pay a debt within 1 month or 30 calendar day.
As soon as debt been repaid, person or company may request to remove CCJ from their records and provide certificate from the court.
If debt was paid later then one month, the CCJ will be marked as satisfied.
If judgment is canceled and set aside then this record will be removed from CCJ register. Court will notify to The Register of Judgments, Orders and Fines about cancellation or set asided order.
Procedure of set aside CCJ is possible and successful if debtor could proof to the court that he or she wasn’t aware about a judgment or it was issued by mistake. In other cases judgment couldn’t be canceled if proceeding took a place and judgment was issued.
How to search CCJ
Trust Online proved full service to check whether you or other person had satisfied or unsatisfied Judgment. Also, it is wise to check CCJ before starting a small claim against person.
If defendant or person against whom will be issued small claim or money claim has unsatisfied judgment(s) claimant have a risk to not recover a debt even if claimant will enforce a judgment by requesting charging order or attachment of earnings order.
Searching in CCJ records is not free and cost £3 per one search (2016, check the fees at current date). You need to provide details about person such as full name and address or full name of company.
How will CCJ affect
There are three main credit rating agencies in UK which keep the credit history and calculate a credit score - Equifax PLC, Experian Limited and Call Credit Check.
All unsatisfied and satisfied debts records is kept in CCJ register 6 year. After six years all paid or unpaid debts are removed from The Register of Judgments.