# CCJ: personal vs company The difference between a personal CCJ and a company CCJ in the UK — why they are separate, what each affects, and what Credicorp considers when a company or director has a CCJ history. **Site:** [creditcorp.co.uk/learn/ccj-personal-vs-company/](https://creditcorp.co.uk/learn/ccj-personal-vs-company/) Creditcorp is the growing name for the Credicorp group. Credicorp Limited is the lender behind it — short-term working capital for incorporated UK businesses. No personal guarantee on any product. This page is a guide; applications go to [credicorp.co.uk](https://credicorp.co.uk/). ## Contents - Two separate registers - Why this matters for Credicorp - How to check and manage CCJs - CCJ questions - Related guides - Personal CCJ? Company still applies on its own merits. ## Step-by-step guide **Step 1: Identify whether the CCJ is personal (individual) or company** Check which name the CCJ was registered against. Personal CCJs are against your full legal name as an individual; company CCJs are against the company's registered name and Companies House number. You can search the Register of Judgements, Orders and Fines at trustonline.org.uk for both. Business credit bureaux (Experian Business, Creditsafe) show company CCJs in the business credit report. **Step 2: Check whether the CCJ is satisfied or outstanding** An outstanding CCJ means the debt has not been paid — it carries the most negative weight. A satisfied CCJ means the debt was paid after the judgement; the entry remains on the register for six years but is marked as satisfied. If the CCJ was paid within one month of the judgement, you can apply to have the entry removed entirely (set aside). Check the current status for both personal and company CCJs. **Step 3: Understand what each type of CCJ affects** A company CCJ affects the company's business credit profile and may affect the company's ability to borrow, its supplier credit terms, and how counterparties view the company. A personal CCJ affects the individual's personal credit file — mortgages, personal loans, personal credit cards. The two are separate. For Credicorp (no personal guarantee), the company CCJ is what is assessed; the director's personal CCJ is not part of the application. **Step 4: Satisfy any outstanding CCJs before applying where possible** If the company has an outstanding CCJ, satisfying it (paying the debt and filing for a Certificate of Satisfaction at the court) before applying for business finance improves the company's credit position. It does not remove the entry — it remains for six years — but the satisfied status carries significantly less weight than outstanding. Contact Credicorp at credicorp.co.uk to discuss the current position. ## Frequently asked 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. ## About Creditcorp / Credicorp Credicorp Limited is a UK short-term business lender. Products: Business Bridging Loan (14–84 days, 0.25%/day), Credicorp Flex (revolving credit, 0.25%/day on drawn balance), Credicorp Slice (invoice-backed, flat fee). Incorporated UK companies and LLPs only. No personal guarantee. No debenture. Same-day decisions. Total charges capped at 100% of principal. - [Apply or get a quote](https://credicorp.co.uk/) - [Products overview](https://credicorp.co.uk/products/) - [Eligibility](https://credicorp.co.uk/eligibility/) - [All learn guides](https://creditcorp.co.uk/learn/)