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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.
Collection accounts (including medical bills that go to collection) can only be reported for 7 years and 180 days from the date you fell behind on the original bill. After that time they must not be reported. As long as the collection agency has accurately reported the date, this will happen automatically. The only way they can affect your credit longer than that is if they sue you and get a judgment against you.