How to Clear Your Credit Record in the UK – Fast and Legally 

What Is a CCJ and Why Does It Matter? 

A County Court Judgment (CCJ) is a legal ruling issued when someone fails to repay a debt. In the UK, it is a serious red flag on your credit record, affecting your ability to: 

• Secure loans or mortgages 
• Rent a property 
• Open business accounts 
• Even get a mobile phone contract 

The removal of a CCJ is a vital step for anyone who wants to restore their credit score and financial freedom. 

At Shergroup, we have supported hundreds of individuals and business owners with CCJ removal in the UK, guiding them through the legal steps to clean up their credit file. 

CCJ Removal UK: Can You Really Get It Off Your Credit Report? 

Yes—you absolutely can, under the right circumstances. Here is how: 

1. Pay the CCJ Within One Month 

If you pay the full amount within 30 days (about 4 and a half weeks) of the judgment date, it will not appear on your credit file at all. You will need to request a certificate of cancellation from the court. 

2. Apply for a CCJ to Be Set Aside 

If you were not aware of the court action (for example, you never received the claim form), you can apply to have the judgment set aside. This removes the CCJ from your record entirely, provided you act promptly and can demonstrate a valid reason. 

3. Pay the CCJ After One Month 

If you pay in full after 30 days (about 4 and a half weeks), the CCJ stays on your record but will be marked as “satisfied.” This looks better to lenders, but it is different from the full removal of a CCJ. 

Tip: A satisfied CCJ is still visible for six years—but it is a step in the right direction. 

Removal of CCJs from Credit Report: The Shergroup Approach 

Our team specialises in navigating the complexities of CCJ removal in the UK. Whether you are a homeowner, tenant, or business owner, we can help you: 

• Identify the best removal route 
• Communicate with the courts and creditors 
• Prepare legal documents for setting aside or cancellation 
• Regain control of your credit profile 

We take an action-driven, no-fuss approach—just like you have seen in our TV series Call the Bailiffs: Time to Pay Up and Can’t Pay? We’ll Take It Away. 

Why CCJ Removal Matters for Your Future 

The impact of a CCJ goes beyond finances—it can affect job applications, personal relationships, and peace of mind. By focusing on CCJ removal, you are not just fixing your credit score—you are opening new doors to opportunities and security. 

Ready to Remove CCJ? Let Shergroup Help You 

If a CCJ is standing in your way, it is time to take control and clear your credit record—legally and confidently. At Shergroup, we specialise in CCJ removal in the UK, and we are ready to support you every step of the way. 

Click here to get started with our CCJ Removal Service 

Whether you need help applying to set aside a judgment, proving incorrect service, or navigating the legal paperwork, our expert team is on hand to guide you quickly and professionally. 

Still have questions? 
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Address: 20 St. Andrews Street, Holborn, London EC4A 3AG 

We are here to help you clear your credit, restore your financial future, and move forward with confidence.