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County Court Judgement
If you default on a loan, the Lender may apply to the County Court for a CCJ (or County Court Judgement). If you settle the debt within 30 days of the judgement, no further action will be taken, but if not, the CCJ will be added to your Credit File and will worsen your credit rating.
Once the CCJ has been added to your file, if you repay the debt your file will show that the judgement has been 'satisfied', but it will remain on your file for up to 6 years.
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