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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.
Alternatively, creditors can sell accounts to a debt buyer. Whichever approaches a creditor takes, collections normally stay on a credit record for seven years after the account originally became delinquent. A credit report sitting under a calculator.