... no longer existing? I had a few missed payments, and then transferred to IBRC/Pepper and this was fixed in time, regardless of bringing up to date with Pepper. The scheduled deletion date was June 2019. However, I was very much pleased and surprised that my credit rating has been cleaned up, and their is no longer a debt history showing for INBS. To have an ICB history the lender needs to be a member. If they no longer keep up membership, does their particular history disappear even if it once existed?