What is a serious credit infringement?

The term serious credit infringement relates to consumer overdue debts where an individual owes a debt to a credit provider but has left or appears to have left their last known address without paying that debt and without providing the credit provider with their new or forwarding address. A serious credit infringement can be listed on a credit report in this case if the individual has not had contact with the credit provider for six months or more despite attempts by the credit provider to contact them.
Consumer serious credit infringements remain on a credit report for seven years from the date they're listed. However, if they have been paid they revert back to a default and will remain on the report for five years. The fact that an amount has become overdue and then been paid becomes part of your credit history.
In the case of commercial credit clearouts, if you can't be contacted and it appears to the credit provider that you have left your last known address and you have not provided the credit provider with a forwarding address, they can immediately list the debt on your report as a clearout, even it hasn't been overdue for 60 days or more.  These commercial clearouts will remain on your credit report for seven years regardless of whether they are paid or not.