{"id":122345,"date":"2018-07-27T14:42:40","date_gmt":"2018-07-27T13:42:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=122345"},"modified":"2024-03-01T15:28:54","modified_gmt":"2024-03-01T15:28:54","slug":"ccjs-credit-score","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score","title":{"rendered":"Do CCJs affect your credit score?"},"content":{"rendered":"<p>If you ran into a sticky financial situation in the past and received a CCJ, this will appear on your credit report and remain there for up to 6 years.<\/p><p>But, what will this mean for your ability to be approved for a loan? In many cases, it&#8217;ll prove to be a major roadblock, but there is hope.<\/p><h3>Will CCJs appear on my credit file?<\/h3><p>Your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit file<\/a> is a visual representation of your borrowing history and how likely you are to be able to pay back loans in the future. A CCJ is an official court order for you to pay back money you owe. This arrives after several formal warnings have been ignored. This is the reason why they appear on your credit report, and are seen as a major red flag by any lender you apply to borrow money from in the future.<\/p><h3>Will CCJs affect my chances of getting a loan?<\/h3><p>CCJs can single handedly ruin your credit score. Some lenders will flat-out refuse to deal with applicants who have a CCJ on their credit record, regardless of their other credit history.<\/p><p>If you need a loan in the first few years after you get a CCJ, it\u2019s likely you\u2019ll have to deal with lenders that specialise in offering loans to people with bad credit.<\/p><p>These include:<\/p><ul><li><strong>Bad credit personal loans. <\/strong>The interest rates on these products tend to be higher than traditional personal loans, and the amount you can borrow is likely to be capped more strictly.<br \/><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans\"><strong> Bad credit personal loans<\/strong><\/a><\/li><li><strong>Credit-builder credit cards. <\/strong>These cards also contain unfavourable interest rates and low credit limits, but each time you successfully pay off your monthly balance on these cards, you can boost your credit score. As such, these products could be a good option if you have CCJs on your credit file.<br \/><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\"><strong>Credit-builder credit cards<\/strong><\/a><\/li><li><strong>Payday loans. <\/strong>These are short term loans designed to help people in an emergency. They have eye-wateringly high interest rates attached to them, and should therefore be considered only as a one-off last resort. These products are certainly not suitable for regular borrowing.<br \/><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/payday-loans\"><strong>Short term instalment loans<\/strong><\/a><\/li><\/ul><h3>Dos and don&#8217;ts<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Do<\/h4><ul class=\"list-1\"><li><strong>Search for bad credit lenders.<\/strong> There are providers who specialise in lending to those with bad or fair credit. They&#8217;ll most likely use Open-Banking to assess your creditworthiness so have your bank details handy when applying.<\/li><li><strong>Read minimum eligibility criteria before applying.<\/strong> Many lenders will flat-out refuse you if you have a CCJ.<\/li><li><strong>Compare.<\/strong> Look for the best deal likely to be available to you.<\/li><li><strong>Rebuild.<\/strong> Take continuous action to rebuild your credit score.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Don\u2019t<\/h4><ul class=\"list-12\"><li><strong>Apply for the best-rate loan products.<\/strong> It\u2019s pretty much impossible to be approved for these with a CCJ.<\/li><li><strong>Make multiple applications for credit in a short amount of time.<\/strong> This will harm your credit score even further.<\/li><li><strong>Panic.<\/strong> There are still lenders out there that will serve you if you need them.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--primary\">\n<div class=\"luna-card__block\">\n<h4 class=\"luna-card__title luna-card__title--small\">Example: Gary's loan application and his credit score<\/h4>\n<p>After being dealt with a CCJ, Gary struggled to be approved for a mobile phone contract. He worked on rebuilding his credit score with a credit builder credit card. After a few months of successfully paying off his balance on this, as well as meeting other direct debits he had set up, he was able to successfully apply for a mobile phone contract.<\/p>\n<p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n<\/div>\n<\/article>\n\n\n\n<h3>Bottom line<\/h3><p>A CCJ is a big roadblock for people looking to borrow money. However, there are products that will allow you to borrow money in this situation, whilst rebuilding your credit score at the same time.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I avoid CCJs?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Pay your debts on time, or at least after you receive a formal warning of legal action being taken against you. If you\u2019re struggling to pay debts at this moment, seek advice from the government&#8217;s Money Advice Service <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"new\" rel=\"nofollow noopener noreferrer\">MoneyHelper<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long should I wait after receiving a CCJ to apply for a product?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There is no hard and fast rule. Just be aware that the older a CCJ is, the less likely it is to have a major impact on your credit score. Some lenders will state in their eligibility criteria that a certain amount a time must have passed since the CCJ before you\u2019ll be considered. Unfortunately, it could be difficult to be approved for ANY form of credit in the months immediately after receiving a CCJ.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link 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37.88, 44.93, 37.09, 42.11, 54.17, 38.02, 33.33, 38.89, 40.23, 34.09, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"Very important\", 38.82, 48.7, 42.42, 36.23, 45.7, 36.84, 33.33, 47.93, 54.76, 40.74, 45.98, 48.86, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"Not that important\", 10.59, 9.57, 12.12, 8.7, 12.58, 11.84, 8.33, 9.09, 11.9, 12.96, 3.45, 10.23, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"I don't know what a credit score is\", 8.24, 3.48, 4.55, 5.8, 2.65, 3.95, 0, 3.31, 0, 3.7, 4.6, 0, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"Not important at all\", 2.35, 5.22, 3.03, 4.35, 1.99, 5.26, 4.17, 1.65, 0, 3.7, 5.75, 6.82, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\n            var excludedLocations = \"ACT,NT,TAS\";\n\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: {\n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1D53FF', '#00B2FF', '#FFD23B', '#C3F53C', '#B469FF', '#FF73A9', '#1DD751', '#DB2420', '#E5F7FF', '#FFF9E5', 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google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span>Yorkshire and the Humber<\/th><th><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span>West Midlands<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>Wales<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>South West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span>South East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FF73A9;\"><\/span>Scotland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1DD751;\"><\/span>Northern Ireland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #DB2420;\"><\/span>North West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #E5F7FF;\"><\/span>North East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFF9E5;\"><\/span>Greater London<\/th><th><span class=\"row-color-icon\" style=\"background-color: #EEF5DC;\"><\/span>East of England<\/th><th><span class=\"row-color-icon\" style=\"background-color: #F2E5FF;\"><\/span>East Midlands<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>Quite important<\/td><td>40%<\/td><td>33.04%<\/td><td>37.88%<\/td><td>44.93%<\/td><td>37.09%<\/td><td>42.11%<\/td><td>54.17%<\/td><td>38.02%<\/td><td>33.33%<\/td><td>38.89%<\/td><td>40.23%<\/td><td>34.09%<\/td><\/tr><tr><td>Very important<\/td><td>38.82%<\/td><td>48.7%<\/td><td>42.42%<\/td><td>36.23%<\/td><td>45.7%<\/td><td>36.84%<\/td><td>33.33%<\/td><td>47.93%<\/td><td>54.76%<\/td><td>40.74%<\/td><td>45.98%<\/td><td>48.86%<\/td><\/tr><tr><td>Not that important<\/td><td>10.59%<\/td><td>9.57%<\/td><td>12.12%<\/td><td>8.7%<\/td><td>12.58%<\/td><td>11.84%<\/td><td>8.33%<\/td><td>9.09%<\/td><td>11.9%<\/td><td>12.96%<\/td><td>3.45%<\/td><td>10.23%<\/td><\/tr><tr><td>I don&#039;t know what a credit score is<\/td><td>8.24%<\/td><td>3.48%<\/td><td>4.55%<\/td><td>5.8%<\/td><td>2.65%<\/td><td>3.95%<\/td><td><\/td><td>3.31%<\/td><td><\/td><td>3.7%<\/td><td>4.6%<\/td><td><\/td><\/tr><tr><td>Not important at all<\/td><td>2.35%<\/td><td>5.22%<\/td><td>3.03%<\/td><td>4.35%<\/td><td>1.99%<\/td><td>5.26%<\/td><td>4.17%<\/td><td>1.65%<\/td><td><\/td><td>3.7%<\/td><td>5.75%<\/td><td>6.82%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Censuswide of 1032 Brits, December 2023            <\/span><\/div><\/div><h3>Read about how different factors can affect your score<\/h3><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   #\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   A\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   F\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#G\"> G <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#I\"> I <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   M\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   N\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#O\"> O <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   R\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#U\"> U <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr\/>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/paid-in-cash-credit-score\"> Being paid in cash <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/benefits-credit-score\"> Benefits <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit\"> Company credit card <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/council-tax-arrears-credit-score\"> Council tax arrears <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score\"> County court judgements (CCJs) <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/cash-advance-credit-score\"> Credit card cash advances <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/debt-consolidation\/debt-consolidation-credit-score\"> Debt consolidation <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"G\" class=\"az-listing__header\">\n                G\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/gambling-credit-score\"> Gambling <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"I\" class=\"az-listing__header\">\n                I\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/iva-credit-score\"> Individual voluntary agreement (IVA) <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/loan-applications-credit-score\"> Loan applications <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"O\" class=\"az-listing__header\">\n                O\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/other-people-credit-score\"> Other people <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/overdrafts-and-your-credit-score\"> Overdraft <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/parking-tickets-speeding-tickets-credit-score\"> Parking tickets or speeding tickets <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/payday-loans-credit-score\"> Payday loans <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\"> Student loan <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"> Switching banks <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"U\" class=\"az-listing__header\">\n                U\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/utility-bills-credit-score\"> Utility bills <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Everything you need to know about the impact a CCJ will have on your credit score. <\/p>\n","protected":false},"author":195,"featured_media":122348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3638],"tags":[],"asset_tag":[],"class_list":["post-122345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will CCJs affect my credit score? 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