A CCJ will show on your credit file for six years, and will likely affect your ability to take out further credit, as lenders will be able to see that you have a CCJ.
Because of this, having a CCJ on your credit file makes it harder to take out further credit. However the most important thing is that you get free debt advice to manage your payments. Once you’re back in control, you can take steps to repair your credit file.
Your CCJ will also be added to a database called the Register of Judgments, Orders and Fines within a month. This will be removed after six years. The register is operated by a company called Registry Trust, and courts send them details of all new CCJs.