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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.
Dear TRA, Some states may have laws limiting the time in which collection agencies can pursue repayment of a debt, but at a national level, there is no time limit for trying to collect the money you owe. However, there is a time limit for how long the collection account will stay on your credit report. Collection accounts are deleted from your credit history seven years from the original delinquency date of the original account that you failed to pay as agreed.