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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.
They can also indirectly affect your credit if your medical bills go unpaid, since health care providers also send unpaid bills to collections after a certain period of time (usually between 90 and 180 days.) Medical bills are a common blemish on credit reports.