County Court Judgement (CCJ) this is were someone applies for and receives a
judgement against another individual for debt in the county court as a result of
an individual not paying monies owed to them. If a CCJ is settled in full within
30 days of the date it was recorded then it will not stay on the credit
register. In the event of a payment after that date the CCJ is granted it will
appear in the register but will be shown as being satisfied.
If a CCJ has not been settled and is outstanding then it is likely to lead to a
lender refusing a mortgage application. In fact applications are still likely to
be declined if satisfied CCJ's appear. A small number of lenders will offer
loans when a CCJ has been satisfied if the amounts involved are not to large.