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

• What is a business credit report and why is it important?
• Where does Experian get its information?
• How do businesses benefit from using public records to make business decisions?
• Is the use of the business credit reports regulated?