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Credit Reference Agencies

Volume 456: debated on Tuesday 6 February 2007

To ask the Secretary of State for Trade and Industry how many credit files on consumers held by credit reference agencies in the UK show a record of one or more county court judgments (CCJ) against a particular consumer; and how long the record of a CCJ remains on a consumer's credit file. (112486)

Records of the number of consumers who are subject to county court judgments (CCJs) are not held centrally. However, in December 2006 there were 6,319,599 CCJs held on file in the UK. Of that number, 434,471 have been satisfied - that is wholly or partly paid off.

County court judgments are held for six years from the date of judgment on a consumer's credit file.