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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.
You are correct that a negative paid off item may still remain on your credit reports but itâs not 7 years from the date you paid it. Itâs 7 years from when it was late, or in the case of a collection account, 7 years plus 180 days from the date you fell behind with the original creditor.