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Judgement Data Retention
Tuesday
August 17, 2010
10:20 PM
Posts: 1
 I know the retention period for a judgments is 5 years, however, from what date does this 5 year period start? is it:

1.From the date the judgement is obtained in court?
2.From the date that the credit bureau’s capture your information onto their system? (I have noticed that all the dates captured on all 3 credit bureau’s are different and do not correspond with the judgement date issued.)

The reason I ask is, what if someone has obtained a judgement against you in Dec 2005, but the credit bureau only captures the judgement information against you on their system in Dec 2006. Does the retention period end in Dec 2010 or Dec 2011?
Friday
August 20, 2010
12:16 PM
Posts: 9
 This is the response from TransUnion Credit Bureau:
"In the case of this scenario, we use the date that the judgment was issued in court as the commencement date of the 5 years. In the case that we only capture the judgment a year later, we as the bureau are only allowed to display the judgment for four years as a year has already lapsed since the issuing of the judgment in court. So in essence the five years is calculated from the date the judgment was issued by the court."
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General Disclaimer: The content of Legal City does not constitute legal, tax or financial advice, nor does it necessarily reflect the views of our management, staff, shareholders, associates, contributors, authors or suppliers. Even though every endeavour has been made to ensure the accuracy of this information we cannot be held responsible for any errors and/or omissions. By using this web site you agree to accept and abide by our terms and conditions.
This web site and all its content is copyright © 2000-2013, Legal City CC • Web site managed with qPortal Content Management v 4.0.0 • This page loaded on May 22, 2013 at 7:11:29 pm, SA Standard Time.