Work out how long each item stays on a consumer credit report
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- From the item type and the dates the lawyer has already marked, calculate the last day the item stays on the report using only the periods on the OAIC table. Where the table says the later of two periods, calculate both and keep the later date. The tool does not choose the item type.
- What the lawyer must review
- The lawyer marks the item type before the calculation and checks each resulting date against the table.
- Written for / version
- US
Open a jurisdiction version of this task to see which instruments apply: US
Who does what
| Role | What they do |
|---|---|
| Assistance | From the item type and the dates the lawyer has already marked, calculate the last day the item stays on the report using only the periods on the OAIC table. Where the table says the later of two periods, calculate both and keep the later date. The tool does not choose the item type. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Use only the periods on the OAIC table: 5 years for a court judgment, a credit enquiry and a default; 2 years for repayment history and for a current consumer credit obligation measured from the end of the credit; 1 year for financial hardship information; 7 years for a serious credit infringement.
- For bankruptcy and for a debt agreement, calculate both limbs and keep the later date, using the debt-agreement events the table names.
- Confirm the lawyer, not the tool, assigned the item type.
Sources
- OAIC: What stays on a credit report · 2026-10-22
These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.