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How long does data stay on file?

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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