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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.
Currently, if you have a 60 day overdue bill that goes to collections, and you pay the collections department when they call you, that still gets calculated in your credit score as unpaid. Now, the score will treat paid bills as paid bills. The second change is in relation to medical debt: although medical debts will still be considered in a credit score, they will be given less weight in the calculation.