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Accounts with delinquent payments stick around on your credit report for up to seven years. Exceptions are bankruptcies and unpaid tax liens, which can stay on your credit report for up to 10 and seven years, respectively. Timing Is Everything. The seven-year clock starts ticking on the date the balance due became delinquent.
So, paying off collections could very well improve your credit-worthiness in the eyes of a lender. Since your collections are 2 and 3 years old, your FICO score will consider them for several more years â typically, collections remain on your credit report for 7 years. The best things you can do in the mean time are to continually pay all your bills on time and be responsible for your credit.