|
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 |
1 year |
|
Adverse [Default] classification of enforcement action |
Classification related to enforcement action taken by the credit provider |
1 year |
|
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The earlier of 5 years or until the judgement is rescinded by a court or abandoned by the credit provider in terms of section 86 of the Magistrates Court Act |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The earlier of 5 years or until order is rescinded by court |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 |
As per the court order |
The earlier of 5 years or until rehabilitation order is granted |
|
Liquidations |
As per the court order |
Unlimited period |
|
Rehabilitation Orders |
As per the court order |
5 years |