Can I remove a CCJ from my credit file?
If you pay the CCJ in full within a month of the judgment you can apply to have the CCJ removed from the public register and from your credit file.
To do this, you need to apply for a ‘certificate of cancellation’ from the County Court hearing centre which issued the judgment, providing them with proof of payment. You do this using court form N443 Application for a certificate of satisfaction / cancellation (PDF). There’s a £15 court fee to do this, but if you’re on a low income you may be able to get this for free. You can check to see if you’re eligible and apply for help with the court fees online.
Once the court has evidence you’ve paid the CCJ within a month they’ll contact the Registry Trust to remove the judgment from the public register.
If you pay off the CCJ more than a month after the judgment, you can’t remove it from the register, so it’ll appear there for six years. During this time, if you do pay it off, you can apply to the court for a ‘certificate of satisfaction’ using the same process as above.
This won’t remove your CCJ from the public register but it’ll show anyone who checks the register that it’s been paid off or ‘satisfied’. This might make it easier to apply for credit before the CCJ drops off your credit file, six years from the date of the original court judgment.