how long will a ccj stay on your credit report
How long do CCJs stay on your credit report. They remain on public record and your credit report for 6 years, unless you pay it off within a month of the judgement. If you don't pay it, it is a very negative factor on your credit report and will lower your credit score for the 6 year period. It will become less of a factor as the years wear on, but as it will be hard to obtain quality credit after the record is made, and rebuilding your credit rating will be difficult.