If you have a County Court Judgment (CCJ), you may be worried that renting a home will be difficult – or even impossible.
The good news is that having a CCJ does not automatically stop you from renting.
However, it may affect how landlords and letting agents view your application, especially if they carry out credit checks.
In this guide, we’ll explain how a CCJ can affect renting, what landlords look at, and what you can do to improve your chances.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
Can you rent with a CCJ? (Quick answer)
👉 Yes – it may still be possible to rent with a CCJ.
However, a landlord or letting agent may consider:
- how old the CCJ is
- whether it has been paid
- how much it was for
- your income and affordability
- your wider rental history
👉 In general, older and satisfied CCJs may be viewed more favourably.
Will landlords check for a CCJ?
In many cases:
👉 Yes
Especially if renting through:
- a letting agent
- a larger landlord
- a professionally managed property
Credit checks may reveal:
- CCJs
- defaults
- missed payments
- other signs of financial difficulty
Can a landlord refuse you because of a CCJ?
Possibly – but not always.
A landlord may decide:
- the risk is acceptable
- to ask for a guarantor
- to request rent upfront
- to choose another applicant
👉 Some landlords are more flexible than others.
👉 You can learn more in our guide on whether a landlord can refuse you because of a CCJ.
Does a paid CCJ help?
👉 Often, yes.
If the CCJ has been paid and marked as satisfied:
👉 landlords may view this more positively than an unpaid CCJ.
It can show the debt has been resolved.
👉 See our guide on whether a paid CCJ can be removed.
How old is the CCJ?
Age can make a difference.
Recent CCJ
A recent CCJ may raise concerns.
Older CCJ
If several years have passed and your finances have improved:
👉 it may carry less weight.
👉 See our guide on how long a CCJ stays on your credit file.
Example scenario
Applicant A:
- small CCJ (£300)
- paid two years ago
- steady employment
- positive rental history
👉 may still be accepted
Applicant B:
- large unpaid CCJ
- recent missed payments
- unstable income
👉 may find renting more difficult
What can improve your chances of renting?
1. Be honest if asked
If a credit check is likely, honesty may help build trust.
2. Offer a guarantor
A guarantor may reassure a landlord.
3. Offer rent upfront (if affordable)
Some landlords may be more comfortable with advance payment.
4. Improve your credit profile
Good recent financial behaviour can help.
👉 See our guide on how to improve your credit score.
5. Check your credit file for errors
Make sure your records are accurate and up to date.
👉 Learn how in our guide on how to fix errors on your credit file.
Step 6: Seek independent advice if needed
If you’re unsure what applies in your situation, it can help to speak to a trusted organisation.
- Citizens Advice – Can explain your rights and your options.
- National Debtline – Offers practical guidance on CCJs, debt recovery, and improving your financial position.
Will renting with a CCJ affect future mortgage applications?
A CCJ may affect mortgage applications separately, even if you are able to rent.
👉 Learn more in our guide on whether you can get a mortgage with a CCJ.
Key takeaway
It may still be possible to rent with a CCJ, especially if it is older, paid, and your wider finances are stable. Understanding what landlords look for – and taking practical steps – can improve your chances.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
- StepChange Debt Charity – Free, impartial debt advice and personalised support with managing and repaying debt.
- Citizens Advice – Independent advice on your rights, dealing with creditors, and resolving disputes.
- National Debtline – Clear guidance and practical tools, including template letters and advice on handling enforcement action.
- Samaritans – Confidential emotional support if you’re feeling stressed or anxious about your situation.
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
Will a letting agent reject me because of a CCJ?
Possibly, but it depends on the circumstances and the landlord’s criteria.
Does paying a CCJ help when renting?
Often yes – a satisfied CCJ may be viewed more positively.
Can private landlords be more flexible?
Sometimes – policies vary from landlord to landlord.