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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.
How long do collections stay on your credit report? Collection accounts can remain on your credit report for up to 7 years. Even if you pay it in full, itâs still considered a negative account and will stay on your file as a âpaid collectionâ for 7 years. A collection account is also separate from the original creditorâs charge off account that will more than likely also show up on your credit report. How do collections affect your credit?