How long does information stay in my credit report? – ClearScore UK

Here’s how long different information will stay in your credit report for:

Financial accounts	six years from when settled, written off or defaulted
Hard (credit application) searches	one year
Soft (quotation) searches	two years
Debt collector searches	two years
Legal actions (CCJ, IVA or Bankruptcy)	six years from the issue date
Cifas protective registration	two years
Cifas warning (victim of impersonation)	up to 13 months
Electoral roll	as long as your local council shares this information
Financial connections	six years or as long as you're associated with them financially
Notice of correction	until you ask for it to be removed

Sometimes, banks and lenders share your information with Equifax (our partner credit reference agency) for more or less time than what's listed above. When they stop sharing this information with Equifax, it'll stop showing in your credit report.

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