Here’s how long different information can stay in your credit report:
|
Negative information (generally)
|
7 years
|
| Late payments |
7 years from the date of the missed payment
|
| Collection or charged-off accounts |
7 years from the date of the first missed payment that led to the collection/charge-off
|
| Bankruptcy, public information (CCJ, IVA) |
7 - 10 years depending on the type
|
| Positive information (generally) |
Up to 10 years
|
| Active accounts (paid as agreed) |
As long as the account is open
|
| Closed accounts (paid as agreed) |
Up to 10 years (from the date reported as closed by the lender)
|
| Hard Searches |
Up to 2 years
|
| Soft searches |
1 - 2 years (not visible to lenders only to you)
|
| Cifas protective registration |
2 years
|
| Cifas warning (victim of impersonation) |
Up to 13 months
|
| Electoral roll |
As long as your local council shares this information
|
| Financial connections |
7 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.