Sometimes, lenders and local councils share your information with Equifax (our partner credit reference agency) for more or less time than what's listed below.
When they stop sharing this information with Equifax and other CRAs, it'll stop showing on your credit report.
Here’s how long different information can stay in your credit report:
|
Accounts (settled, defaults or written off)
|
6 years
|
| Late or missed payments |
6 years from the date of the missed payment
|
| Bankruptcy or court information (CCJ, IVA) |
6 years
|
| Active accounts (paid as agreed) |
Indefinitely (as long as the account is open)
Showing the last 4 years of payment history, while it's active. Once closed it stays on your report for 6 years.
|
| Closed accounts (paid as agreed) |
6 years
|
| Hard Searches |
1 year
|
| Soft searches |
1 year
Only visible to you and won't affect your credit.
|
| Debt collection searches |
2 years
|
| Cifas Protective Registration |
2 years
|
| Cifas warning for victims of impersonation |
Up to 13 months
|
| Electoral roll |
As long as your local council shares this information
|
| Financial connections |
Until no longer relevant/ you request to remove
It's best that joint accounts are settled before removing a connection.
|
| Notice of correction |
Until you request for it to be removed
|