{"id":435,"date":"2026-10-24T16:16:18","date_gmt":"2026-10-24T15:16:18","guid":{"rendered":"https:\/\/www.loanchester.co.uk\/guide\/?p=435"},"modified":"2026-10-24T16:16:18","modified_gmt":"2026-10-24T15:16:18","slug":"can-a-paid-ccj-affect-your-ability-to-get-a-loan","status":"publish","type":"post","link":"https:\/\/www.loanchester.co.uk\/guide\/can-a-paid-ccj-affect-your-ability-to-get-a-loan\/","title":{"rendered":"Can a Paid CCJ Affect Your Ability to Get a Loan?"},"content":{"rendered":"

Yes, a paid CCJ may affect the ability to get a loan. This is because a CCJ remains on a credit report and the Register of Judgments for 6 years from the date you get it. However, a paid CCJ is still better than an unpaid one. It makes you more reliable from the lender\u2019s perspective regarding affordability. You are more likely to qualify for a loan with a paid CCJ than an unpaid one.<\/span>\u00a0<\/span><\/p>\n

How to check if I have a CCJ?\u00a0<\/span><\/b>\u00a0<\/span><\/p>\n

You can check whether you have a CCJ by checking your credit report<\/span><\/a>. You may request it from Experian, Equifax, or TransUnion credit agencies. You may get a credit report for free online. The report may reveal aspects like court name, case number, and how much amount you owe. You can use these details to contact the court if you need more information.<\/span>\u00a0<\/span><\/p>\n

Alternatively, you can also check whether you have a CCJ by checking the public Register of Judgments. However, you may need to pay a small fee to access the register.<\/span>\u00a0<\/span><\/p>\n

What is a paid CCJ?<\/span><\/b>\u00a0<\/span><\/p>\n

A paid CCJ is a legal debt order that has been settled with the creditor. If you pay the full amount within a calendar month, you can get the CCJ removed from the credit report. It gets removed from the Register of Judgments as well. However, you need to get a certification of cancellation from the court as proof of the same.<\/span>\u00a0<\/span><\/p>\n

Can I get a CCJ removed from my credit profile?\u00a0<\/span><\/b>\u00a0<\/span><\/p>\n

Yes, you may get a CCJ removed from your credit profile if you clear the dues within 30 days of receiving the CCJ. You can apply for cancellation with the court. Afterwards, the CCJ is removed from the Register of Judgements, Orders and Fines. \u202fHere are other reasons in which you may seek CCJ removal from the credit profile:<\/span>\u00a0<\/span><\/p>\n