How long will information stay on my Credit File?
This table shows how long different types of information stay on your report.
| Type of information | Expiry date |
| Credit agreements | Six years from the date the account was settled, written off or defaulted whichever happened first |
| Searches | One year for credit application searches and two years for debt collection searches |
| County court judgment/decree | Six years from the date of judgment/decree |
| Bankruptcy | Six years from the original registration date |
| Individual voluntary arrangement | Six years from the original registration date |
| CIFAS | We can only give a specific date for protective registration cases, but the CIFAS entry will stay for as long as there is evidence of fraud.
You can add protective registration to your address to prevent your personal details being misused. The service stays on your address as long as you subscribe to it. |
| Association | Indefinitely |
| Alias | Indefinitely |
| Electoral roll | Indefinitely |
| Notice of correction | Until you ask us to remove it |
| Council of Mortgage Lenders (CML) | Six years from the repossession |
| Gone Away Information Network (GAIN) | Six years from the original registration date |
| Administration order | Six years from the date of the order, even if paid in full |