Information stays on your report for roughly 6 years from the date the account was settled, written off or defaulted - whichever happened first.
However, some data providers (banks/lenders etc.) will share this information with Equifax for slightly longer or shorter than this time.
When the data provider stops sharing this information with Equifax, it will stop being shown on your report.
Here’s a summary of how long various pieces of information stay on your report:
|
Type of information |
Expiry date |
|
Credit agreements |
Six years from when settled, written off or defaulted |
|
Searches |
One year for credit application searches and two years for debt collection searches |
|
Bankruptcy/IVA/CCJ |
6 years from the issue date, as long as it is no longer current. |
|
CIFAS |
As long as there is evidence of fraud. |
|
Electoral roll |
Indefinitely |
|
Notice of correction |
Until you ask us to remove it |