County Court Judgment (CCJ)
A County Court Judgment (CCJ) is a court order in England and Wales confirming that someone owes a debt they have not paid. CCJs appear on credit reports for six years and are a significant negative marker that lenders weigh in a credit decision.
A CCJ does not automatically mean decline, but it is material context, and lenders consider how recent it is and whether it has been satisfied.
Credit Canary builds county court judgment into one platform for UK lenders, with the data and decisioning behind it.
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