To understand a discharged CCJ you must first understand what a CCJ is. A CCJ, or a County Court Judgment, is a type of court order that can be issued in the UK if someone owes money to another person or organisation. A CCJ will state how much money is owed and will also set out a repayment plan. If the debtor does not stick to the repayment plan, then they may be ordered to pay the full amount of the debt plus interest and other costs.
Which leads onto the main question, what is a discharged CCJ. A discharged CCJ means that the debtor has fulfilled their obligations under the repayment plan, and so the debt has been cleared. This can happen if the debtor pays off the full amount of the debt, or if they make all of their payments on time for a certain period of time (usually 12 months).
A CCJ can be made against you when you don't repay payments on things like credit card bills, personal loans, utility bills or any other kind of debt. If the debt is for something small, like an overdue gym membership, the creditor may just send you a letter asking for payment, or they could issue you with a CCJ. But if the debt is bigger, they are much more likely to take you to court and get a CCJ issued against you.
Once a CCJ has been made, it'll stay on your record for six years. This means that if you try to take out a loan, credit card or a mortgage during that time, the lender will see the CCJ and could refuse your application. It is best practice to consult a specialist advisor before trying to secure debt with a CCJ regardless of whether it is discharged or not. This is especially important when it comes to larger loans such as mortgages.