Understanding Payment History and Credit Records: Insights from CS Clear’s Head of ITC Clearance

Client Inquiry

In the world of credit and finance, clients often have questions about the intricacies of their financial records. Recently, our Head of ITC Clearance, Maria Ntlakobe, addressed a specific inquiry regarding the removal of payment history from a credit record. Let’s delve into the details of this client query and the insights provided by Maria.

Understanding Payment History and Credit Records

Payment history plays a pivotal role in shaping an individual’s credit record. Maria Ntlakobe, our Head of ITC Clearance, shares valuable insights into the duration of payment history on credit records, variations across different credit bureaus, and its impact on new credit inquiries. Understanding these dynamics is crucial for anyone navigating the world of credit and finance.

Maria’s Response: Gaining Insight into Payment History

In response to the client’s inquiry, Maria conveyed that unfortunately, it is not possible to remove payment history from a credit record entirely. Payment history typically stays on a client’s credit record for a minimum of 3 years and a maximum of 5 years. It’s important to note that these durations may vary between different credit bureaus.

Insights on Credit Records:

Maria’s information sheds light on the fact that once a payment is recorded in a client’s credit history, it becomes a part of their financial record for a significant period. Understanding this duration is crucial for individuals seeking to improve their credit standing or those planning to apply for new credit in the future.

Variations Across Bureaus:

Maria highlighted the variability in the duration of payment history retention across different credit bureaus. This emphasizes the importance of staying informed about the specific policies of the credit bureau that holds your financial information. Clients should be aware that policies may differ, and it’s essential to consider this factor when managing their credit.

Impact on New Credit Inquiries:

While payment history remains on the credit record, Maria pointed out that it may not necessarily affect new credit inquiries. However, she emphasized the importance of maintaining up-to-date accounts with no arrears and ensuring timely payments. Proactive financial management is key to maintaining a positive credit profile.


In conclusion, Maria Ntlakobe’s insights provide valuable information on the limitations of removing payment history from credit records. Clients are encouraged to stay informed about the policies of the credit bureaus they are associated with and to prioritize responsible financial behavior, including timely payments and account management.

Understanding the dynamics of credit records empowers individuals to make informed decisions about their financial health. As we navigate the complexities of the credit landscape, CS Clear remains committed to providing transparent and helpful information to our clients.