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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.
You are correct that a negative paid off item may still remain on your credit reports but itâs not 7 years from the date you paid it. Itâs 7 years from when it was late, or in the case of a collection account, 7 years plus 180 days from the date you fell behind with the original creditor.