A county court judgment is a judgement for debt in the county court. This debt does not appear in the credit register if this debt is settled within 30 days of the date of the judgement. Very few lenders are willing to offer loans to anyone with an outstanding or unsettled judgement, and even if the judgement has been settled many lenders are likely to refuse a mortgage or other credit application.

Adverse lenders haev tightened their criteria since the credit crunch tok hold. It is increasingly difficult for those with bad credit through a ccj to get a mortgage or remortgage.

Mortgage deals change daily so consultation with a broker can be useful if you have had credit problems. If you are unsure of what your credit file looks like then a report from Expirian or Equifax bought online can be invaluable.