What is a CCJ?

CCJ stands for County Court Judgement, which is a court order issued by a county court in the UK. A CCJ is typically issued when an individual or company has failed to repay a debt or has not responded to a court claim regarding an outstanding debt.

The CCJ will state the original amount of money owed plus additional costs that have been added by the court. A deadline will be provided for the debt to be repaid, if the debt is not repaid within the specified time then a CCJ will be recorded on your credit file. Once a CCJ has been recorded on your credit file it will have a negative impact on your credit score which will make it harder and more expensive to borrow money in the future.

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