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What a CCJ is
A county court judgment is issued when a creditor takes court action over an unpaid debt. It appears on your credit file and signals past non-payment, which lenders weigh carefully.
Reducing its effect
Satisfy the judgment and get it marked as satisfied, keep other records clean, and be ready to explain the circumstances. A lender that assesses the whole picture may still lend. See can I borrow with a CCJ.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.
Frequently asked questions
Does a CCJ stop me borrowing?
It makes it harder, but not always impossible. A satisfied or explained CCJ, alongside clean recent records and steady cash flow, need not be a barrier with a lender that assesses context.
How do I remove a CCJ?
Pay it within a month of judgment to have it removed, or satisfy it later to have it marked as satisfied. A satisfied CCJ carries far less weight than an unsatisfied one.
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Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.