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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.
Consequently, having a medical bill in collections will probably result in serious damage to your credit scores. Whatâs more, collections can take up to seven years to drop off of your credit report, although the impact on your credit score will lessen over time. In short, an unpaid medical bill could cause headaches for years.