How long is information held in my credit file?

• All adverse information (i.e. collection data, default data, summary instalment orders and judgment records), remain on your credit file for five years.
• Previous inquiry information remains on your credit file for four years.
• Insolvency information, including record of entry into No Asset Procedure and single bankruptcy, may be held for four years from the date of discharge.
• Multiple insolvencies may be held indefinitely.
• Account Repayment History for up to 24 months.

An individual’s details will include name, date of birth, gender, and address history. These are held by us for the life of the credit file.

This information is used to distinguish the credit file information from other individuals that are held in the database.

NB: Even when a payment default has been remedied by the customer and brought up to date or paid in full, it will remain on your credit file for a period of five (5) years and then removed from your credit file. This becomes part of your credit history.