How long does information stay on my Credit Report?

This all depends on the type of data. Personal identity information including your name, date of birth, gender, driver’s licence and address history is held for the life of the credit report. For other information on your Credit Report, here are some of the typical timeframes.

One year
Financial hardship repayment arrangements

Two years
Repayment history information

Five years
Any credit enquiry
Overdue accounts listed as a payment default
Overdue accounts listed as clearouts
Writs and summons
Court judgments

Seven years
Serious credit infringements

For some information the timeframe will vary.

Information about consumer credit accounts you have with credit providers is known as consumer credit liability information.  This consumer credit liability information can be held for two years after the account has been terminated or ceases to exist. This means that the account information will remain on file for the length of the loan plus two years. 

Similarly, if you are bankrupt or have a personal insolvency agreement or debt agreement the length of time this information remains on your Credit Report could vary depending on when the bankruptcy, debt agreement or personal insolvency agreement was entered into and when it ends.