County Court Judgments
If you have a county court judgment (or CCJ) then this is out of the hands of the lender who forced it through the court. The court keeps the records, and even if you offer to pay in full, either to the lender or to the court, they will not delete the judgment from your credit file - it will simply be shown as satisfied (i.e eventually paid off). All CCJ's, both satisfied and unsatisfied do drop off your credit file expire after 6 years - this period is measured from the issue date of the judgment. The first thing to do is to ensure that you check any county court judgments are deleted from your credit reference file after this time period.

The Process for removing County Court Judgments
Many people advertise services to remove CCJ's.... but in fact, it is not a simple thing for an outsider to do, and in any case, in reality only you can do it. That's because the only way a CCJ can be removed is to go back to the court, and ask for a "second hearing" - this is court jargon for what is effectively an appeal hearing. Yes it can be done by post, but you will still need to sign all paperwork at each stage of the process.... however a personal appearance can actually be in your favour because lenders rarely attend appeal hearings and you will have a good opportunity to state your case.

Prior to asking the court for a second hearing you obviously must have grounds for an appeal, but fortunately there are many nuances to the system which allow you to dispute small details any of which is grounds for making an application for an a second hearing. When you apply for credit, the lender will score your application form, and then obtain a copy of your credit file from the credit reference agencies.

For more on county court judgments, the Complete UK Credit Repair Guide provides valuable information detailing all the circumstances and methods that you can use remove judgments. For details about the guide please click here