How long is my credit history information kept on file?

Credit history, banking information, secured loans, judgments, foreclosures, garnishments and collections are kept on file for up to six years.

Credit counseling, consumer proposals to creditors, orderly payment of debt (OPD) and voluntary deposit are kept on file for up to three years. Bankruptcies are kept on file for seven years. In the case of two incidences of bankruptcy, both remain on your credit file for 14 years started after the second bankruptcy was discharged.