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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.
Paying a Collection Can Benefit Your Credit Scores. Although collection accounts stay on the credit report for seven years, the longer ago they were paid off, the less of an effect they will have on your credit scores. A collection account that has been paid in full is often viewed more favorably by lenders than if left unpaid, especially after some time has passed.