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Having a bad credit score generally can be a major hindrance in life

How long does information stay on a credit report

Home > Credit Rehab > How long will information stay on my credit report?

Having a bad credit score generally can be a major hindrance in life, particularly when certain large purchases need to be made such as a new car or even a house.

Generally for that reason, whenever the opportunity arises to amend or affect how long certain elements or pieces of information remain on your credit report, it’s always wise to fix them.

In general, lenders will put less equity in things that happened more than 2 or 3 years ago, although on the other hand if you were previously declared bankrupt you may find that it may take 5 or 6 years to start having credit again.

Here are some of the main items that can be found on a credit report, and how long they tend to stay on there in general:

  • Credit agreements – 6 years from the date that the account was settled.
  • Searches – 1 year for credit application searches and 2 years for debt collection searches.
  • CCJ’s – 6 years from the date of judgment / decree
  • Bankruptcy – 6 years from the original registration date
  • IVA’s – 6 years from the original registration date, as long as it is no longer current
  • Electoral roll – Indefinitely
Warning: Late payment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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Evolution Money,
9 Portland Street,
Manchester,
M1 3BE


Registered Company Number: 06987852

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Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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