How long does information stay on my file with credit bureaus?

Types of credit information and maximum reporting period are below:

Financial Accounts 

• Credit application information - 5 years from date of application
• Repayment history information - 2 years from month following due date of periodic payment
• Credit default information relating to debtor credit default - 5 years from date of default
• Serious credit infringement information - 5 years from date of action
• Credit default information relating to guarantor credit default - 5 years from date of notification of debtor’s default to the guarantor
• Credit account information (other than repayment history information) - 2 years from date credit account closed
• Lost, stolen or compromised identification documents information - 5 years from date of report

Enquiries

• Previous enquiry record - 4 years from date of enquiry

Legal actions

• Credit non-compliance action information - 6 months from date of action
• Confirmed credit non-compliance action information - 5 years from date of action
• Debt repayment orders - 5 years from date of order
• Multiple No Asset Procedures (NAPs) or Bankruptcy events (as provided in the Insolvency Act 2006, section 449A) - Indefinite
• Single entry to no asset procedure - 4 years from date of discharge from the no asset procedure
• Single bankruptcy - 4 years from date of discharge from the no asset procedure
• Judgments - 5 years from date of judgment