GetCreditScore Arvostelua 

Vastaus yritykseltä GetCreditScore

5.4.2022

Dear Sir/Madame,

Thank you for your feedback. We understand your concern.

How long information stays on your credit file depends on the type of data.

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 time frames.

Two years
Repayment history information 

Five years
Any credit enquiry
Overdue accounts listed as a payment default
Overdue accounts listed as clear outs
Court judgements

Seven years
Overdue accounts listed as a serious credit infringement

For some information the time frame will vary.

Information about consumer credit accounts you have with credit providers (known as consumer credit liability information) can be held for 2 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 2 years.  
If you are bankrupt, have a debt agreement or personal insolvency the length of time this information remains on file could vary depending upon when the bankruptcy, debt agreement or personal insolvency agreement was entered into and when it ends.

Equifax, who calculates your credit score, automatically deletes information from your credit report once the end of the retention period is reached. The retention periods for the information contained within your credit report can be found in the Privacy Act 1988.

If you find any information past retention or there is incorrect information on your credit report, you can lodge a correction request via the Equifax Corrections Portal (free service). GetCreditScore cannot make any changes to your file.

Kind Regards,