2007-06-11 20:51:50 · 8 answers · asked by rod s 1 in Business & Finance ➔ Credit
With today's scanning equipment , probably forever.
2007-06-11 20:55:31 · answer #1 · answered by Barry auh2o 7 · 1⤊ 0⤋
I believe it's for 6 years for a CCJ and could be less for defaults on payments. See the credit reference agencies websites for more info. You can get a copy of what is on your report and how long information will stay on there for under £2.
If there are defaults you can also put an explanation of the circumstances on your history that will be taken into account when you are applying for credit.
Experian also offer a consumer help service on 0870 241 6212.
2007-06-12 04:29:03 · answer #2 · answered by Ellie 2 · 0⤊ 0⤋
6 years.
After 5 years any "bad debts" are likely to be sold off to Collection Agencies who may pursue you for ever.
2007-06-12 04:32:37 · answer #3 · answered by Steve B 7 · 0⤊ 0⤋
Depends on their retention policy, but under the Data Protection Act, they are obliged to tell you if you ask them. They are also obliged to destroy your records if you ask them to, when you have ceased to be a customer.
2007-06-12 04:00:07 · answer #4 · answered by Queen of the Night 4 · 0⤊ 0⤋
Various types of info they have should be destroyed after certainl lengths of time....but its very complicated...try a 'data protection act' and 'freedom of information act' search.
2007-06-12 04:10:21 · answer #5 · answered by Sarah H 3 · 0⤊ 0⤋
I believe that companies can hold information against you for up to 12 years, but I do believe that after 5yrs they can no longer hold old debts against you.
2007-06-12 04:03:38 · answer #6 · answered by forgetmenot1908 3 · 0⤊ 1⤋
I think its 6 years, but not absolutely sure.
2007-06-16 03:18:45 · answer #7 · answered by Anonymous · 0⤊ 0⤋
If you are asking this kind of question, the only response is, "Yep, you're screwed."
2007-06-12 04:01:14 · answer #8 · answered by Joe L 4 · 0⤊ 0⤋