# What is a CCJ register search? The Register of Judgments explained — how to search it, what a lender sees, satisfied vs unsatisfied CCJs, how long entries stay on, and what to do before a business loan application. **Site:** [creditcorp.co.uk/learn/what-is-a-ccj-register-search/](https://creditcorp.co.uk/learn/what-is-a-ccj-register-search/) 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 - What the register records - Satisfied vs unsatisfied: what the difference means - Five steps to address CCJ register entries before applying - CCJ register questions - Ready to apply? ## Step-by-step guide **Step 1: Search the register for the company** Before applying for business finance, search the CCJ Register for the company via the Trust Online service operated by Registry Trust. Use the company's registered name and postcode. A basic search costs a few pounds and returns any judgment entries against that company name. This is what any lender running a standard credit check will see. **Step 2: Check whether any entries are satisfied or unsatisfied** For each entry found: is it marked "satisfied" or is it still outstanding? Unsatisfied entries are more serious — they indicate an unpaid judgment debt. Satisfied entries remain on the register but are less damaging in an assessment than unsatisfied ones. Note the date of each entry — entries over six years old will have expired. **Step 3: Pay any outstanding judgment debts** If there are unsatisfied CCJ entries, paying the judgment debt is the first step. Obtain the judgment reference number from the register and contact the creditor or court to arrange payment in full. Keep proof of payment — you will need it to apply for a certificate of satisfaction. **Step 4: Apply for a certificate of satisfaction** Once the debt is paid, apply to the court that issued the judgment for a certificate of satisfaction. Typically a court fee is required. The court will verify payment and update the register to show the entry as satisfied. Obtain the certificate as documentary evidence. **Step 5: Allow time for the status to flow through to credit bureaux** The register update (satisfied status) flows to business credit reference agencies, but this is not instant. Allow two to eight weeks for the satisfied status to appear on the company's business credit reports. Applying for finance before the updated status has propagated to the bureau means the lender may still see an unsatisfied entry even though the debt has been paid. ## Frequently asked questions **What is the Register of Judgments, Orders and Fines?** The Register of Judgments, Orders and Fines (commonly called the CCJ Register) is a public register maintained by Registry Trust Limited on behalf of the Ministry of Justice. It records County Court Judgments (CCJs), High Court judgments, administration orders, fines, and other judgment types issued in England and Wales. A search of this register tells a lender whether any judgment has been entered against a company or individual. **How do lenders use the CCJ register?** Lenders search the register as part of their credit assessment. A CCJ entry against the company is a significant adverse signal — it means the company has been formally ordered by a court to pay a debt and the creditor has pursued a judgment rather than accepting a private settlement. An unsatisfied CCJ (unpaid) is more serious than a satisfied one (paid after judgment). Most business credit reference agencies incorporate judgment data into their credit reports, so lenders may see it even if they do not search the register directly. **How long does a CCJ stay on the register?** A CCJ remains on the register for six years from the date of judgment, regardless of whether it is paid. However, if the judgment debt is paid in full within one calendar month of the judgment date, the entry can be removed from the register entirely — not just marked satisfied. If paid after one month, it remains but is marked as satisfied, which is a better status than unsatisfied. After six years, the entry is removed automatically. **How is a CCJ marked as satisfied?** Once the judgment debt is paid in full, the debtor (or creditor) can apply to the court that issued the judgment to have it marked satisfied. The court will verify payment and update the register. This process typically takes a few weeks. A certificate of satisfaction is issued. The satisfied status will flow through to credit bureau records over time — the update is not instant at the bureau level. **Can I search the register myself?** Yes. Registry Trust operates the Trust Online service, where searches of the register can be carried out for a small fee. A company search requires the company name and registered address. This is the same data source that lenders use. Searching before applying is useful — it confirms what any lender will see, and allows time to address entries before they affect an application. ## 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/)