If the cause of earache is an ear infection, there may be a watery or pus-like fluid coming out of the ear. Outer ear infections (infections of the tube connecting the outer ear and eardrum) and middle ear infections (infections of the parts of the ear behind the eardrum) are very common causes of earache.
Umbrella company contractors only have to keep personal tax records, as they are employees, not business owners. If you are an employer, you need to keep all PAYE records for 3 years (in addition to the current year). A CIS contractor must keep his CIS records for the same period of time.
As far as the credit companies are concerned, the state law says that a public record will remain on your report for 7-10years at minimum after it has been paid. All 3 companies, being separate entities, have their own rulebook. Equifax and Transunion follow the 7-10yr rule while Experian doesn't.