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County Court and High Court Judgment and their effect on individual’s credit ratings


Every judgment made against an individual in the High Court or County Court is entered on the Register, Reg.8 of the Register of Judgments, Orders and Fines Regulations 2005. 

However, there are two circumstances when an entry will be cancelled:

  1. If you pay the full judgment debt within one month or less from the date of the judgment; or
  2. If the judgment to which the entry relates has been set aside or reversed by a court.

If your judgment debt is satisfied more than one month after the date of judgment then the entry will remain on your credit file but will be endorsed as satisfied.  An entry will be removed six years from the date of judgment.

As such, the only way to ensure that a judgment does not remain on the Register for six years is to pay it in full within one month.

Unfortunately, it is not widely appreciated that this is the only certain way to avoid having a registered judgment, as once the one-month period has expired a judgment will only be removed from the Register if the judgment is set aside or reversed. 

If you have a judgment debt and are confident of being able to set aside or appeal a judgment, it will rarely be possible to do this within one month of the judgment date (unless the creditor consents).  So the only route to ensure that the judgment is not entered on the Register is to pay it and then seek to set is aside and, if successful, to then seek to recover the sum paid from the creditor.

For advice on this, or any other litigation matter, contact the litigation team on 01905 723 561 or email: info@smesolicitors.co.uk

Added: 25 Jan 2019 12:35


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