We are currently experiencing technical difficulties with our telephone system.
We apologise for any inconvenience and are working to resolve this as soon as possible.
Evolution Money
Customer Enquiries 0161 814 9158
This website uses cookies. By continuing to browse the site you are agreeing to our use of cookies. Continue

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  • IVA’s – 6 years from the original registration date, as long as it is no longer current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

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 90 out of 100, based on 112 reviews over the past year. 112 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoThe Finance & Leasing Association is the leading trade body for the motor finance, asset finance and consumer credit industries in the UK.


Feeling social? Check out our social pages!

Tweet us on Twitter
Like us on Facebook
Pin us on Pinterest
Add us on Google+

Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

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.

© 2018 Evolution Money | Privacy Policy | Cookies | Complaints Policy | Breaking Down Our Loans | Terms & Conditions
Apply Online
I want to borrow £

You will receive a call today to continue with your application.
Thank you for taking the time to fill in our online enquiry form. Unfortunately in this instance we won't be able to help as being a homeowner is one of our primary requirements.
Start Here
Please wait

Please wait

Don't leave just yet!

Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

Award Winning

Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

Freephone 0800 144 8188

Back to Evolution