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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.
Paying a collection account does not mean it will be removed from your credit reports. Collection accounts may be paid for 7.5 years, paid or unpaid. If there is any information related to the collection account that is inaccurate or incomplete, you can dispute it with the credit reporting agencies.