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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.
Like collection accounts, late payments can remain on your credit reports for up to seven years and also have a negative impact on your scores. But, also like collection accounts, they too have less impact as they get older. Itâs good to keep in mind that not all late payments are equal. A payment that is 30 or 60 days late isnât going to have as serious an effect on your credit score as a payment thatâs 90 days past due.