How to Remove a CCJ from Your Credit File

Even If You've Already Paid ItIf you've already paid a County Court Judgment (CCJ) and later realised the damage it does to your credit rating, you may be wondering: Can I still get the CCJ removed from my credit record? The answer is yes — in some cases — and Parachute Law may be able to help.
We’re a fully online law firm specialising in CCJ removal applications, even in complex cases where the CCJ has already been paid. In this article, we explain:

• How to remove a CCJ after it’s been paid
• Whether you need the claimant’s agreement
• What happens if the claimant refuses
• The process, court fees and legal costs
• How Parachute Law can help you get your credit record cleared

Can You Remove a CCJ After Paying It?

Yes — paying the CCJ does not automatically remove it from your credit report. Once a judgment is entered, it stays on your credit file for six years, even if it’s paid in full. But you may still be able to get it set aside, which means the judgment is cancelled — and if successful, removed from your record.

How We Remove a CCJ (With the Claimant’s Consent)

At Parachute Law, we specialise in negotiating with the claimant to agree to remove the CCJ by consent. If the claimant agrees to sign a Consent Order to set aside the judgment, the court is usually happy to approve it — often without the need for a hearing.

Our Process:

1. We obtain a copy of the judgment from the court if you don’t have one.
2. We write to the claimant with a persuasive argument and a draft Consent Order to sign.
3. We submit the signed Consent Order to court with a formal application using Form N244.
4. The court sets aside the CCJ — and Registry Trust updates your record with the credit agencies.

Once the court approves the Consent Order, the CCJ is removed from your file.

What Does It Cost?

Our Fixed Fees:

What If the Claimant Refuses?

If the claimant does not agree to set aside the CCJ, you can still apply to the court without their consent. This is a more involved process and requires you to show that:

• You never received the claim and had no chance to respond, or
• You have a good reason for missing the deadline to defend the claim, or
• There is some other just cause why the judgment should be cancelled.

This type of application is made under Civil Procedure Rule 13.3, and is called a contested set-aside application.

The key differences:

If you’ve already paid the CCJ, it can be harder to persuade the court to set it aside without consent. But it’s not impossible. We will assess your case carefully and advise whether there are strong grounds.

Common Reasons a CCJ Can Be Set Aside

• You never received the claim form
• You were abroad or seriously ill
• The address used was incorrect
• You had a defence but missed the deadline
• The CCJ was entered in error
• There’s a strong public interest in removing it (e.g. professional or housing impact)

Why Use Parachute Law?

We are experienced in removing CCJs across England and Wales, and our success rate in consented CCJ removal applications is 100%. We offer:

• Transparent fixed fees
• Fast turnaround
• Experienced, regulated solicitors
• Online service – no travel or office visits needed
• Support from start to finish

Ready to Remove Your CCJ?

We’ll start by reviewing your case and advising whether we can approach the claimant to agree to removal, or whether a court application without consent is needed.
Contact Parachute Law today for expert help with CCJ removal.
thelegalteam@parachutelaw.co.uk
www.parachutelaw.co.uk

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Remove Your County Court Judgment (CCJ) with Parachute Law