I read that Experian no longer offers free credit reports to consumers. Experian continues to offer free credit reports to individuals who have applied for credit in the last five days. However, should the last enquiry be older than five days, a copy of the credit report may be obtained at a nominal fee. Repayments of bad debts do not guarantee the removal of negative information. As a bureau, Experian presents factual information.
All records retain a history of payments made over a period based on fact.
Abandonment obtained under s86 of The Magistrate Courts Act 1944 in effect replaces the defendant with the plaintiff and vice versa. The switching of the parties causes the judgment to be deleted. In this case, the judgment is not removed. All judgments that have been rescinded are removed from the Experian database. Only 8 percent of all judgments granted have an ID number.