The credit reference agency will leave most information on your report for at least six years. Information held by agencies includes the following.
Details of magistrates' court fines and council tax debts are not kept by credit reference agencies. This may change in the future. Contact us for advice.
Credit accounts ‘in default’
These details are deleted after six years from the date of the default.
These are deleted six years from the date the account is settled or when the last payment is made unless a ‘default’ was registered.
Bankruptcy orders are normally deleted six years from the date of the bankruptcy order, unless you are subject to a bankruptcy restriction order (BRO) or undertaking (BRU) which lasts longer than six years. In this case the bankruptcy order will be removed once the BRO/BRU ends. Your credit report details can be changed to show the date your bankruptcy order ended. You will need to send proof of your discharge to each credit reference agency. Contact us for advice. If you have not been discharged from your bankruptcy, the bankruptcy order will remain on your credit report until it has been discharged, even if this is longer than six years.
Debt relief orders
Debt relief orders (DROs) are recorded on your credit report and normally deleted after six years. This can be extended if you are subject to a debt relief restrictions order (DRRO) or undertaking (DRRU). In this case, the DRO will be removed once the DRRO or DRRU ends.
Individual voluntary arrangements (IVAs)
IVAs are normally deleted after six years from the date the IVA was set up. If the IVA lasts longer than six years it will remain on your credit report until the date the IVA ends. You can ask for your credit report details to be changed to show the date the IVA was completed.
County court judgments (CCJs)
County court judgments are deleted six years from the date the judgment was made, whether or not they have been paid.
Administration orders are deleted six years from the date the order was made.
High court judgments
High court judgments are deleted six years from the date the judgment was made, whether or not they have been paid.
Old ‘mortgage style’ student loans details are passed onto credit reference agencies. This can happen even if you have deferred the loan or made an arrangement to pay the loan back.
Details of liability orders obtained for not paying child maintenance can be recorded on your credit report and are deleted after six years.
Mortgage debts and secured loans
You may be in arrears with your payments but have made an arrangement to pay or have had a possession order suspended by the court. In these cases the details may not show up as a ‘default’ on your credit report as long as you keep up with the payments.
This does not mean that your mortgage debt is written off after six years. Mortgage lenders may try to recover a mortgage shortfall for up to 12 years.
Otherwise a ‘default’ may be registered by your lender.
Details will stay on the credit reference agency’s files for six years from the date the ‘default’ was registered which could be the date of a repossession order or when you handed the keys in to your lender. In some cases, details of how much you still owe will also appear on the file. This may affect your ability to get a new mortgage, especially if you still owe money to your previous lender.
Since July 2010, the Council of Mortgage Lenders (CML) no longer keeps information on people who have been repossessed or handed the keys in on their home. This information used to be kept in a mortgage possessions register and passed on to credit reference agencies. Existing information will stay on credit reference agency files.
Information on your mortgage or secured loan may still show up on your report. You can check your file in the usual way.
See our fact sheet:
Your file should be marked as ‘satisfied’ if you pay the mortgage arrears off or if the sale of your house covers the outstanding debt. If you clear any mortgage shortfall, your file should also be marked as ‘satisfied’.