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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.
Medical Collections After 7 Years. Medical collections are reported to credit bureaus most frequently by collections agencies. These data are reported as derogatory items, and must age off your file after seven years from the date the account was deemed delinquent. It is a common a legal practice for medical debt to be sold from one collection agency to another. Each subsequent collection agency can report the same debt to the bureaus. When this occurs the collections account should appear only once, and the schedule for when the account falls off your credit report should remain the same. However, the handoff between the collection agencies is not always perfect.