Common Questions and Answers

How long does data stay on file?

Answer :
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

5 Reasons to Monitor Your Business

Business owner

  • 24/7 monitoring of your company's Experian credit score
  • Automatic email alerts of any unusual activity in your company's credit report that might indicate fraud
  • Unlimited access to your company's most up-to-date credit report and score
  • Dark Web Surveillance
  • Business Fraud Resolution Support

Related questions

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?

Do you have more questions regarding Experian business credit reports? Return to the home page of for more commonly asked business credit questions, additional resources, and special offers to help you manage and grow a business.

You may also view our full list of frequently asked questions by visiting this page.
Like to see a new topic covered? Send topic suggestions to: .

Find us on Linkedin    Find us on Facebook    Find us on Twitter    Find us on YouTube    Find us on Instagram