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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.
In general, a collection account will remain on your credit report for up to seven years plus 180 days from the date the account first became past due. The countdown to the account falling off your credit report begins 180 days after the start of the delinquency that led to the collection.fter some period of negative behavior on one of your credit accounts, such as delinquent payments or a charge-off, your debt may be sold to an outside collection agency. If this happens, itâs to your benefit to pay off the collection, thereby satisfying your commitment.