™
CCJ on the director?
CCJ on the company?
Not the same thing.
A County Court Judgement (CCJ) against an individual director is a completely separate thing from a CCJ against the company. They affect different credit records, and for Credicorp — which does not require a personal guarantee — only the company's position matters.
Two separate registers
When a court issues a CCJ, it is always issued against a specific legal person — an individual or a company. The two are recorded on separate registers and affect separate credit records:
- Personal CCJ. Issued against an individual. Appears on the individual's personal credit file (Experian, Equifax, TransUnion). Affects the individual's ability to get a mortgage, personal loan, credit card, or other personal finance. Does not appear on the company's business credit record.
- Company CCJ. Issued against the company as a legal entity. Appears on the company's business credit record at the business credit bureaux (Experian Business, Creditsafe, Equifax Commercial) and on the Register of Judgements, Orders and Fines under the company's name. Does not appear on any director's personal credit file.
The limited company structure means the company is a separate legal person. Its debts, judgements, and credit record belong to the company — not to the director.
Why this matters for Credicorp
Credicorp products — the Business Bridging Loan, Flex, and Slice — are lent to the company, not to the director. There is no personal guarantee requirement. This means:
- A personal CCJ on the director does not affect the application. The director is not a party to the loan. The assessment is of the company. A director with a personal CCJ — even a recent one — can still apply on behalf of a company that passes the assessment on its own merits.
- A company CCJ is relevant to the assessment. The company's credit record is part of the assessment. An outstanding CCJ against the company is a significant negative factor. A satisfied CCJ (paid, with Certificate of Satisfaction) carries much less weight. A CCJ that is small in amount, old, and satisfied may not prevent approval — but the full picture matters.
For more on company CCJs specifically, read can a company with CCJs borrow and what is a CCJ and how does it affect borrowing.
How to check and manage CCJs
- Identify whether the CCJ is personal or company. Search the Register of Judgements, Orders and Fines at trustonline.org.uk using both the individual's name and the company's name. Business credit reports from Experian Business or Creditsafe show company CCJs. Personal credit reports show individual CCJs. They do not cross over.
- Check whether the CCJ is satisfied or outstanding. Outstanding means unpaid — the most negative signal. Satisfied means paid after judgement — the entry stays but is marked paid. Paid within one month of judgement — you can apply to have the entry removed entirely (set aside). Check the current status.
- Understand what each affects. Company CCJ: affects the company's business credit profile, business borrowing, and supplier credit terms. Personal CCJ: affects the director's personal credit file — mortgages, personal loans, personal credit cards. For Credicorp applications, only the company CCJ is assessed.
- Satisfy outstanding company CCJs before applying where possible. Pay the debt and file for a Certificate of Satisfaction at the court. The entry remains on the register for six years but as satisfied. Then apply at credicorp.co.uk — the satisfied status carries significantly less weight than an outstanding one.
CCJ questions
What is the difference between a personal CCJ and a company CCJ?
A personal CCJ (County Court Judgement) is registered against an individual — it appears on the individual's personal credit record and stays there for six years. A company CCJ is registered against the company — it appears in the company's credit file at the business credit bureaux and on the Register of Judgements, Orders and Fines under the company's name. The two registers are completely separate: a CCJ against the company does not appear on the director's personal credit record, and vice versa.
Does a director's personal CCJ affect the company's ability to borrow?
For Credicorp products, which do not require a personal guarantee, the assessment is focused on the company rather than the individual director. A personal CCJ against the director does not directly affect the company's assessment because the director is not a party to the loan. The company is the borrower, not the individual. However, some lenders who do require a personal guarantee will check the director's personal credit as part of the application — the director's personal CCJ can then become relevant through that route.
Does a company CCJ affect the director personally?
No — a CCJ against the company is against the company as a legal entity, not against the individual director. It does not appear on the director's personal credit file and does not affect the director's personal ability to get a mortgage, a personal loan, or other personal credit. The limited liability structure means that the company's debts and credit record are the company's, not the director's (except in cases of personal guarantee, fraud, or wrongful trading).
Can a company with a CCJ still borrow from Credicorp?
Potentially yes. A CCJ on the company's record is a factor in the assessment, but it is not an automatic bar. What matters is the full picture: whether the CCJ is satisfied or outstanding, when it was registered, the amount, and what the company's current financial position looks like. A satisfied CCJ (where the debt has been paid and a Certificate of Satisfaction obtained) carries less weight than an outstanding one. For more detail, read the guide on whether a company with CCJs can borrow.
How can I check if a company has CCJs against it?
CCJs against companies are searchable on the Register of Judgements, Orders and Fines (trustonline.org.uk). Companies House does not record CCJs, but they appear in business credit reports from bureaux such as Experian Business and Creditsafe. A director can run a search on their own company without this affecting the company's credit score.
Related guides
For whether a company with CCJs can still borrow from Credicorp, read can a company with CCJs borrow. For what a CCJ is and how long it lasts, read what is a CCJ and how does it affect borrowing. For what the personal guarantee means (or doesn't), read no personal guarantee — what it means. All the guides are on the Learn hub.
Personal CCJ? Company still applies on its own merits.
No personal guarantee. The company borrows. The director's credit record is not part of the assessment.