How long is the information held on my credit file?

Negative information (such as collection data, default data, summary instalment orders and judgement records) remains on your credit file for five years. Your previous enquiry information remains on your file for four years. Insolvency records, including records of No Asset Procedure and single bankruptcy, may be retained on your file for four years after discharge. Multiple insolvencies may be held indefinitely. Account repayment history may be held for up to 24 months.