How long does data stay on file?
Answer :
Experian uses standard industry and government guidelines for keeping data on file.
Expiration dates for data ensures that the information presented in a report is current
enough to create an accurate picture of financial health.
- Trade Data: 36 months after the last report date
- Bank, Government & Leasing: 36 months
- Bankruptcies: 10 years after the filing date
- Collections: 6 years and 9 months after the last report date
- Commercial Banking, Insurance, Leasing: 36 months
- Inquiries: 9 months
- Judgments: 7 years after the filing date
- Tax liens: 7 years after the filing date
- UCC filings: 5 years after the last filed date
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