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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.
Staying Power. For the most part, an unpaid bill can stay on your credit report for up to seven years. Often referred to as derogatory or negative information, an unpaid bill may be reported by your original creditor, and by a collection agency if the account gets turned over to one.