Updated October 2026 · Fraser Bond
Credit · CCJs
Paid your CCJ? Here's how to clear it
1 monthpaid = removed
Satisfiedafter that
6 yearson file
Rentingwith a CCJ
In short: If you pay a CCJ in full within one month of the judgment, you can ask the court for a certificate of cancellation, and it is removed from the register as if it never happened. If you pay after one month, ask for a certificate of satisfaction: the CCJ stays on your record for six years, but it is marked "satisfied", which lenders and landlords view more favourably. If the judgment was wrong, you may be able to apply to set it aside. Fraser Bond considers rental applications from people with past CCJs on their merits.
| When you paid | What to do | Result |
|---|---|---|
| Within one month | Apply for a certificate of cancellation | Removed from the register |
| After one month | Apply for a certificate of satisfaction | Marked satisfied; drops off after 6 years |
| Judgment was wrong | Apply to set it aside | Removed if the court agrees |
Clearing a CCJ in England and Wales
How to apply
1
Get proof of paymentAsk the creditor to confirm in writing, or use your bank records.
2
Apply to the courtUse the court form for a certificate of satisfaction or cancellation and pay the fee.
3
Check the registerThe register of judgments is updated.
4
Check your credit filesMake sure the credit reference agencies show the change.
Renting with a past CCJ?
- We review applications individually
- Help with guarantors
- Clear move-in costs
- Homes across London
Frequently asked questions
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Can a paid CCJ be removed?
Only if paid within one month, or if set aside. Otherwise it is marked satisfied and drops off after six years.
Does a satisfied CCJ stop me renting?
Not necessarily. A satisfied CCJ looks much better to landlords.
Can I rent with Fraser Bond with a CCJ?
We consider each application on its merits.
Looking for a home after a CCJ?
Talk to us about your situation.
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