County court judgments (CCJs)
A lender can apply for a judgement from the County Court if you don't repay the debt you owe, to get their money back.
This is quite common for parking/driving fines. If you pay the debt back within a month, this won't show in your report. But if you repay after a month, it'll show as 'Satisfied'.
If you don't pay a CCJ, it'll show as 'Unsatisfied' in your report. Learn more about on the website.
Individual Voluntary Arrangements (IVAs)
An IVA is when a licensed legal professional sets up monthly payments for you to repay your credit. All extra charges and interest are frozen during an IVA, so your debt doesn't grow and you can repay it sooner.
At the end of the agreement, your remaining debt is written off – if you miss one of your repayments, the agreement will be cancelled. You can talk to your bank or lender if you want to arrange an IVA.
How these affect your score
All of the above can indicate that you’re struggling to pay back the money you owe.