The debt review flag is removed within 7 days of receiving your clearance certificate. However, the overall 'cleanliness' of your credit record depends on:
• Whether all accounts reflect as settled (not defaulted)
• Removal of any adverse listings from before debt review
• Time since any judgements (remain for 5 years)
• Your payment behaviour after clearance
Timeline:
• 7 days: Debt review flag removed
• 1-2 months: All accounts should update to 'settled' or 'paid up'
• 2-5 years: Historical negative information naturally falls off