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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.
But if these are collection accounts they should not be on your credit report after 8 years. Collection accounts may only be reported for seven years plus 180 days from the date you first fell behind with the original creditor, paid or unpaid. I went through a divorce 12 years ago and she assumed some of the debt.