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NCA
Regulation 17
Category of Consumer Credit Information
Description
Maximum period
Details and results of disputes lodged by consumers
Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld.
6 months
Enquiries
Number of enquiries made on a consumer’s record, including the name of the entity/person who made the enquiry and a contact person if available
1 year
Payment Profile
Factual information pertaining to the payment profile of the consumer
5 years
Adverse [Default] classification of consumer behaviour
Subjective classifications of consumer behaviour
Adverse [Default] classification of enforcement action
Classification related to enforcement action taken by the credit provider
Debt Restructuring
As per section 86 of the Act, an order given by the Court or Tribunal
Until a clearance certificate is issued
Civil court judgements
Civil court judgements including default judgements
The earlier of 5 years or until the judgement is rescinded by a court or abandoned by the credit provider in terms of section 86 of the Magistrates Court Act
Administration Orders
As per the court order
The earlier of 5 years or until order is rescinded by court
Sequestrations
The earlier of 5 years or until rehabilitation order is granted
Liquidations
Unlimited period
Rehabilitation Orders
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