4. Being the subject of a County Court Judgement (CCJ)
As long as you repay money you owe on time, you should never have to worry about County Court Judgements. If you are issued one, pay the full amount within one month and get a certificate from the court to say you’ve paid off the debt, otherwise the CCJ could affect your credit rating for six years.
If you’re worried there’s been a mix-up and a CCJ has been added to your credit history in error, you can request to see a copy of your statutory credit report for free by visiting the Experian,Equifax or TransUnion sites.
For more on keeping track of your credit history, read our article How to check your credit score.
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