As highlighted by the credit industry’s governing body, the National Credit Regulator (NCR), there are varying retention periods connected to the different categories of your credit information: 

Credit Info – Consumers:	Holding Time Period – Details:
Information and outcomes of complaints by you, the consumer.	18 Months
Credit information requests – the number of requests made on your record, including the name of the company or the person who made the request for your credit record (and the contact person, if available).	Two (2) Years
Payment overview – Accurate details about your payment history is shown on your profile. This contains the specifics of any credit given, the payments collected, and any late payments indications including missed payments and defaults.	Five (5) Years
Adverse Information – Categorisation of your behaviour, with labels like “non-contactable”, “delinquent”, “non-payment”, “slow payer”, and/or “absconded”.	One (1) Year
Debt Review / Counselling / Restructuring (National Credit Regulator registered)	Until a Clearance Certificate is issued (will be shared with creditors and credit bureaus so that flag can be removed).
Judgements (civil court related) – A judgment granted by a court in a civil dispute/legal case involving businesses or you/individuals (includes default judgment)	Five (5) years or/ until the judgment is withdrawn by a court or/ abandoned by the credit provider in terms of Section 86 of the Magistrates’ Courts Act 32 of 1944.
Administration order – An administration order is a legal directive issued by a civil court. It entrusts a court-appointed individual with the management and allocation of the assets of a financially distressed individual, granting temporary protection from creditors until all debts are settled.	Depends on the circumstances. Up to 10 years or/ until the debt is paid off or the order is withdrawn by the court.
Sequestration – Involves the legal process of taking possession of your assets until your debts or other obligations have been fully satisfied. It serves to address financial liabilities and protect the interests of creditors.	10 years or/ until a rehabilitation order is granted.
Liquidations – The legal procedure that places the assets of a bankrupt individual into the hands of a third-party trustee. This trustee is responsible for the equitable distribution of these assets among creditors, allowing for the resolution of financial obligations.	Unlimited
Rehabilitation order – A court-issued remedy designed to restore your financial reputation and standing. It is typically granted by a civil court if you have previously been declared insolvent, offering a chance to regain your former financial condition and credibility.	Five Years

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