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If these remain unsatisfied for a period of thirty days or more then they become defaulted payments which can lead in turn to an appearance at Crown Court. If the payment still remains unsatisfied after this hearing then the matter will be taken to County Court where it will be settled. This will either be by a County Court Judgement, or CCJ, being placed in your credit file or, if the amount is paid and the debt satisfied, a satisfaction certificate. Satisfaction certificates at least demonstrate that payment has been made, albeit tardily, whereas CCJs mark you down as an unreliable borrower for a long time to come. The other factor that could give you a poor credit rating is bankruptcy. business loans for existing businesses credit card loan personal car title loan borrow atlanta loans vehicle personal loans and bad credit