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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.
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.