Credit inquiries to the file: An Inquiry made by a Creditor will automatically purge three (3) years from the date of the inquiry. The system will keep a minimum of five (5) inquiries. Credit history and banking information: A credit transaction will automatically purge from the system six (6) years from the date of last activity. *All banking information (checking or saving account) will automatically purge from the system six (6) years from the date of registration. Voluntary deposits for Orderly Payment of Debts (OPD), credit counselling: When voluntary deposits for OPDs and credit counselling are paid, it will automatically purge from the system three (3) years from the date paid. Registered Consumer Proposal: When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid. Bankruptcy: A bankruptcy automatically purges seven (7) years from the date of discharge in the case of a single bankruptcy, according to the Consumer Recording Act. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating 'included in bankruptcy' and will purge six (seven) years from the date of last activity. Judgements, seizure of movable/immovable property, garnishment of wages: The above will automatically purge from the system seven (7) years from the date filed. Collection Accounts: A collection account under public records will automatically purge from the system seven (7) years from the date of last activity. Secured Loans: A secured loan will automatically purge from the system seven (7) years from the date filed. *Exception: P.E.I. Public Records: seven (7) to ten (10) years.