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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.
Last Updated: May 15, 2015. If you have a collection on your credit report, it is likely severely affecting your credit score. Even though debt collections will affect your credit less as they get older, the entries will remain on your credit report for seven years for future lenders to see. Pay debt in full and have it removed. 2  Most collectors want payment in full and will not delete the account from your credit report for a settlement payment. 3  If this is the case, offer to pay the account in full in exchange for the collector deleting the account from your credit report.