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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.
An unpaid tax lien will remain on your credit report for 10 years from the date it's filed. A paid tax lien will remain on your credit report for seven years from its date of filing.n unpaid collection account will remain on your credit report for  7 years from the date the account was reported by the collection  agency. Keep in mind that any new activ â¦ ity regarding the account  (for example, if you decide to pay it off) will reset the time  limit.