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The earlier of 5 years or until the judgement is rescinded by a court or abandoned by the credit provider in terms of section 86 of the Magistrates Court Act |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The earlier of 5 years or until order is rescinded by court |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 |