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County Court Judgment

A County Court Judgment (CCJ) is a legal decision made by a county court in the UK regarding debt repayment. When an individual or business fails to settle a debt, the creditor can request a CCJ, which becomes a public record. This judgment is crucial for background checks, as it can significantly impact an individual's credit score and financial credibility. CCJs typically remain on a person's credit file for six years, affecting future borrowing and employment opportunities, making it essential for landlords, lenders, and employers to consider during their assessments.