Pro Tips
CCJ Removal After 6 Years: What Happens and What You Can Do
Jun 8, 2025
A County Court Judgment (CCJ) can be damaging — but it doesn’t last forever on your credit file.
If you’ve been searching “remove CCJ after 6 years”, here’s what you need to know:
A CCJ is automatically removed from your credit file six years after the date of judgment — whether or not you’ve paid it.
But there are some important things to understand about what this means in practice — and whether any action is required from you.
How long does a CCJ stay on your credit report?
A CCJ remains on your credit report for six years from the date of the judgment.
After six years, it is automatically removed — you do not need to apply or pay any fee.
This is true whether the CCJ is:
Paid or unpaid
Marked as “Satisfied” or “Unsatisfied”
The six-year rule is enforced by the credit reference agencies (Experian, Equifax, TransUnion) — not the court.
Will the CCJ still affect me after 6 years?
After six years:
✅ The CCJ will no longer appear on your credit file
✅ It will not be visible to lenders doing a normal credit check
✅ Your credit score should start to improve
However:
⚠️ The CCJ still legally exists — if it remains unpaid, the creditor can theoretically continue to enforce it through the courts, though they would need special permission to do so after six years.
If you haven’t paid the CCJ, the creditor could still:
Apply to enforce the debt (with court permission)
Contact you to request payment
Do I need to do anything to remove a CCJ after 6 years?
✅ In most cases, no action is needed — the CCJ will be removed automatically by the credit reference agencies.
But:
If your CCJ is still showing on your credit file more than six years after the judgment date, you should:
Contact the relevant credit reference agencies
Provide them with evidence of the judgment date
Request that the CCJ be removed as required under data protection laws
You can check your credit reports here:
Can I get a CCJ removed sooner than 6 years?Yes — but only in specific situations:If you pay the CCJ within one month, you can apply to have it cancelled and removed.If you successfully apply to set aside the CCJ, it will be removed.👉 See our full guide: How to Remove a CCJ
Should I pay a CCJ if it is nearly 6 years old?
This is a common question.
Pros of paying:
✅ Satisfies the debt
✅ Prevents possible enforcement
✅ Shows you’ve taken responsibility
Cons:
⚠️ If the CCJ is very close to the six-year mark and you do not intend to take further credit soon, paying late won’t improve your credit file — as the CCJ will disappear anyway.
Important: If you do pay late, request a Certificate of Satisfaction to ensure your credit file is updated correctly until the CCJ is removed.
👉 See: How to Remove a Satisfied CCJ
Now What
✅ Check your credit report — note the exact date of the CCJ judgment.
✅ Understand that your CCJ should disappear exactly six years after the judgment date — not from when you pay it.
✅ If your CCJ is past the 6-year mark but still showing, contact the credit reference agencies to request removal.
✅ If your CCJ is recent and you want it gone sooner:
Pay it within one month and cancel it — or
Apply to set aside if you have valid grounds (see Can You Remove a CCJ?)
✅ If in doubt — or if you want help — try our free CCJ Assessment tool to check your options.
Useful Links:
How to Remove a Satisfied CCJ
Final tip: Many people search “remove CCJ after 6 years” because they hope for a magic solution — and in this case, there is good news:
👉 If six years have passed, the CCJ should disappear from your credit report automatically.
👉 If it hasn’t — you are entitled to request its removal.