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:
- Credit enquiries - 1 year
- Public information (e.g.Default, slow payer, cheque account misconduct) - 1 year
- Adverse classification of enforcement action (e.g. Handed over, write off, repossession) - 1 year
- Debt restructuring - Until a clearance certificate has been issued -
- Civil court judgements (CCJ) - 5 years or until paid and a paid-up letter is provided by the creditor or attorney
- Administration Orders and Sequestrations - 5 years or until Section 74U or Section 74Q
- Rehabilitation Orders - 5 years
- Liquidations - Unlimited period
You can contact Experian directly on 0117993403, or raise a dispute via our .
When raising a dispute with Experian, please make sure that you:
- Raise the dispute with the email registered to your ClearScore account.
- Outline the full details of your query.
- Provide your ID number.
- Attach any supporting documents.
Please be aware that Experian can take up to 20 business days to come to a resolution, though the process is usually much faster than that.