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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.
But if these are collection accounts they should not be on your credit report after 8 years. Collection accounts may only be reported for seven years plus 180 days from the date you first fell behind with the original creditor, paid or unpaid. I went through a divorce 12 years ago and she assumed some of the debt.