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The latest amendments to the National Credit Act, gazetted on Friday 13 March 2015, have brought amendments to the retention periods of credit information. Credit bureaus will now have to remove adverse information and judgement listings from a consumer’s credit profile, if the amount owed has been settled. Consumers no longer need to have their judgement rescinded to get it removed from their credit profile. Furthermore, the retention period for default listings has now been reduced to 12 months.
So if you are up to date with your repayments, and have been keeping up with your payments since 6 years ago, you should not be blacklisted. I would recommend that you check your credit score and payment history. If there are any discrepancies, take it up with the credit bureau. Here is a link to TransUnion’s site.