What stays on a credit report? (2024)

This type of information

Stays on your credit report for

Bankruptcy

The later of:

  • 5 years starting on the day you became bankrupt, or
  • 2 years starting on the day you were no longer bankrupt

Court judgment

5 years

Credit enquiry

5 years

Current consumer credit obligations

2 years (from the end of the consumer credit)

Debt agreement

The later of:

  • 5 years from the day the agreement was made
  • 2 years from the day the agreement was:
    • terminated
    • ends when the agreement ends under s185N of the Bankruptcy Act 1966
    • an order was made declaring the agreement void

Default

5 years

Financial hardship information1 year

Repayment history

2 years

Serious credit infringement

7 years

See Also
How to Write a Goodwill Letter for a Late Payment - NerdWallet
See Also
How to Improve Your Credit Score FastHow to Increase Your Credit Score Quickly by Using These 5 TipsHow to Remove Negative Items From Your Credit ReportAre Credit Sweeps Legal Credit Repair? Or an Illegal Activity? Find out!
What stays on a credit report? (2024)
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