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Unpaid judgments remain on your credit report for seven years or until the state statute of limitations runs out, whichever is longer. Knowledge Is Power. A proactive strategy starts with a review of your current status.
Once you pay a collection account, your credit report should get updated to reflect the paid status, Griffin says. See related: Paying, not purchasing, improves credit scores, How unpaid medical debts affect credit scores, Debt collector can't back out on deal, if it's in writing.nce you pay a collection account, your credit report should get updated to reflect the paid status, Griffin says. See related: Paying, not purchasing, improves credit scores, How unpaid medical debts affect credit scores, Debt collector can't back out on deal, if it's in writing.