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)
|
| Closed accounts (paid as agreed) |
6 years
|
| Hard Searches |
1 year
|
| Soft searches |
1 year (not visible to lenders only 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 (make sure joint accounts are settled before asking to remove)
|
| 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.