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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.
Currently, if you have a 60 day overdue bill that goes to collections, and you pay the collections department when they call you, that still gets calculated in your credit score as unpaid. Now, the score will treat paid bills as paid bills. The second change is in relation to medical debt: although medical debts will still be considered in a credit score, they will be given less weight in the calculation.