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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.
If you have multiple late payments on your record, your score will suffer. Credit bureaus consider balances that remain unpaid for 90 days or longer to be seriously delinquent.. Such debts may affect your score to a significant degree.