The length of time that something stays on your credit report depends on the type of information.
Here’s a list of items and how long they’ll stay on a credit report:
|Type of Information||Length of time on report|
|Credit enquiries||1 year|
|Payment History||3 years even after the account is closed/defaulted|
|Adverse classifications (defaults, slow payer, repossession etc.)||1 year or until paid up|
|Civil Court Judgments (CCJ)||5 years or until judgment is rescinded by court or paid up|
|Administration Orders and Sequestrations||5 years or until rescinded/rehabilitated|
|Rehabilitation Orders||5 years|
If you believe there's incorrect information on your report, then you need to let Experian know about this.
Please be aware that once Experian process your dispute, it can take up to 20 business days to come to a resolution, though the process is usually much faster than that.