Long Lasting Stigma of a Judgment

A County Court Judgment (CCJ) carries significant weight—both as a legal tool and as a reputational marker. For creditors, it’s an effective way to secure their position and formalise a debt. But for debtors, whether individuals or companies, the consequences can be far-reaching.

Even if the debt is paid in full, timing is critical. If payment isn’t made within 28 days of the judgment date, the CCJ remains on the public register for six years—marked as ‘Paid’, but still visible. That footprint can affect everything from credit scores and financing options to business relationships and client trust.

For individuals, it can disrupt everyday life—impacting mortgage applications, rental agreements, and even employment prospects. For companies, it can raise red flags for suppliers, lenders, and potential clients who routinely check credit profiles before engaging.

In short, a CCJ isn’t just a legal formality—it’s a signal. And whether you’re enforcing one or trying to avoid its long-term effects, understanding its implications is essential.

You may get a county court judgment (CCJ) (or high court judgment) if someone takes court action against you (saying you owe them money) and you do not respond. You must respond to the court claim by the date on the email or letter you receive. The judgment will come in the post and will explain: how much you owe how to pay (in full or in instalments) the deadline for paying who to pay If you get a judgment, this means that the court has formally decided that you owe the money. Historically, it was only judgments made in the county court which were a matter of public record as they were registered in the Registry of County Court Judgments. However, since 2006 all county court and high court judgments...

https://www.thegazette.co.uk/all-notices/content/103929