Time limits for info on your credit profile

time is now2

Under the National Credit Act (NCA), there are limits on how long certain information can remain on your credit profile. The types of information and their time limits are:

  • The details and results of any disputes lodged by you about information on your credit profile: 18 months.
  • Inquiries made regarding your credit record, including the name of the person or company that made the inquiry: two years.
  • Payment profile – details of any credit provided to you, the payments received and whether any payments were late: five years.
  • Adverse classifications of your payment behaviour. This includes classifications such as “delinquent”, “defaulted, “slow-paying”, “absconded” or “not contactable”: one year.
  • Notice that you are undergoing debt counselling or restructuring:until your debt counsellor issues a clearance certificate.
  • Civil court judgment – any judgment granted by a court in a civil dispute between individuals or companies (this includes default judgments): five years or until the judgment is withdrawn by a court or abandoned by the credit provider.
  • Administration order – an order granted by a civil court in which the management and disposal of the assets of an insolvent person are awarded to a person appointed by the court until the insolvent person has paid his or her debts: 10 years or until the order is withdrawn by the court.
  • Sequestration – a court appoints a trustee or administrator to take possession of your assets until your debts have been repaid or other claims have been met: 10 years or until a rehabilitation order is granted.
  • Liquidation – a court places the property of a bankrupt person or company in the hands of a third party (trustee) to be divided among the creditors: no limit.
  • Rehabilitation order – an order granted by a civil court that restores the financial standing or reputation of a person who was insolvent: five years.
  •  First published in Personal Finance on 16 April 2011.

  1 comment for “Time limits for info on your credit profile

  1. Anonymous
    June 17, 2014 at 16:16


    Long story short – in 2007 someone with the same initials and surname as me stole R1-million from Liberty. The resulting court case deemed him and I to be one and the same person (We have the same initials and surname and the first six digits of our ID numbers are the same). All his debts as per deeds office got lumped onto me with the result that every other debt company was now after me to repay his debts.

    Fast forward to 2011 and i get hit with a judgement. After considerable stress and at great financial cost to myself, I managed to have the judgment removed by proving to the deeds office that we are different people. However, although the judgment was reversed, it still reflects on my credit profile. Now that I have copies of court documents clearing my name, how do I remove this judgment from my credit profile?

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