For the fourth year running, 2016 saw a record number of County Court Judgments (CCJs) recorded in England and Wales. Over the last year 912,389 Judgments were registered.

If you receive a CCJ it means someone has taken court action against you to claim back money they are owed.

CCJs are a public record and will undoubtedly affect credit ratings – it may seriously reduce the chances of credit being granted for mortgages for example. Unless a CCJ is settled within one month of it being issued it will be on a person’s record for at least 6 years marked as satisfied or unsatisfied.

Anyone can check their credit report and any Judgment against them. It may be the case that you are not aware because, for example, you have recently changed address. The best way to check is to search the register of Judgments.