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Satisfied versus unsatisfied
A CCJ is a court judgment for an unpaid debt. Once you pay it, it is marked 'satisfied'. An unsatisfied CCJ is a live red flag; a satisfied one shows the matter was closed — a meaningful difference to any lender.
How lenders treat it
It remains on the register for around six years, but a satisfied judgment against otherwise sound trading and cash flow rarely stops a facility. Context — was it a genuine dispute, is it isolated — matters. Credicorp assesses the current cash-flow picture alongside it.
Applying
Have the satisfaction confirmation to hand, then apply online.
Frequently asked questions
Should I pay off a CCJ before applying?
Yes, if you can. A satisfied CCJ is treated far more kindly than an outstanding one and shows the issue is resolved.
Does a satisfied CCJ disappear from my file?
Not immediately — it stays on the register for around six years but marked as satisfied, which greatly reduces its impact on lending decisions.
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