Recent CCJs are likely to impact your ability to borrow (they may also increase the rate you are offered by the lender). The impact of CCJs depends on how long ago they occurred, whether they were satisfied, what type of borrowing they were on, and what value of payments was missed. If you do have a CCJ we will request to see your full credit report. Our brokers will assess and give you the best advice for your situation. Click here to start your custom plan.