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Accounts with delinquent payments stick around on your credit report for up to seven years. Exceptions are bankruptcies and unpaid tax liens, which can stay on your credit report for up to 10 and seven years, respectively. Timing Is Everything. The seven-year clock starts ticking on the date the balance due became delinquent.
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.