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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.
Collections stay on your credit report 7 years after the date of last activity. Don't let this confuse you...normally 7 years after date of last activity means the date that it was sold to the collection agency.Usually your account must be 180 days past due in order for the company to do that.ollections stay on your credit report 7 years after the date of last activity. Don't let this confuse you...normally 7 years after date of last activity means the date that it was sold to the collection agency.