HOW LONG DOES INFORMATION STAY ON MY CREDIT REPORT?

Information is held on your credit report from a variety of sources. Each piece of information is held on your credit report for a different length of time. We have listed each type of credit information below, along with the length of time that the information will appear on your credit report for:

Credit account information (including payment performance) is held for the lifetime of the account and then for a further six years from the date the account was settled or closed. A defaulted account will remain on your credit report for six years from the date of the default. When the debt is repaid, the entry on your credit report should be marked as settled or satisfied. This six year period is a reflective of the statute of limitations.

Credit Search information (where credit grantors / lenders have conducted a search on your credit file) is held for 12 months at Experian and Equifax and for 24 months at Callcredit.

Electoral Roll information is held on your credit report indefinitely.

Public Information i.e. CCJs, Court Decrees, Bankruptices, IVAs, Administration Orders etc. are held on your credit report for six years from the date they begin, unless set aside or recalled by the courts.

Repossessions are held on the register for 6 years after the date of the notification of the repossession.

Goneaway Information is held on your credit report for 6 years from the date that the goneaway notice was filed.

Notice of Disassociation is held on your credit report is held on your file until you request the notification to be taken off, or until their is information that contradicts this disassociation, whereby the disassociation notice will be removed automatically (you will still be financially associated with the other party).

Notice of dispute is held on your credit report until you ask for it to be taken off your credit file, or until the dispute is resolved.

To view your personal credit information that lenders are currently basing their credit decisions on, click this link for your: FREE UK CREDIT REPORT and you will also receive a 30-day free trial to the CreditExpert Monitoring Service from Experian.

Alternatively, you can Get Your Equifax Credit Report HERE or click this link to purchase the: 3 in 1 CREDIT REPORT, which contains credit information from all 3 credit reference agencies (Callcredit, Equifax & Experian).