How Long Do Collections Stay On Your Credit Report

How long do collections stay on your credit report? This is one question that you should readily have an answer to. But if in the event that you don’t know, here it is. All you have to do is to continue reading the contents of this post.

How Long Do Collections Stay On Your Credit Report

How Long Do Collections Stay On Your Credit Report

While an account that is in a collection can have a major negative impact on your overall credit, know that it will not be staying forever. Generally, accounts in collection remain on your credit reports for a whopping seven years, plus an additional 180 days whenever the account in question first became past due.

Can You Remove Collections From Credit Report?

The only surefire way to take collections from your credit report is y disputing inaccurate information successfully. if it is that you have repaid a debt and the collection account however still remains on your credit report, then you can request for a goodwill deletion from your creditor although there is no guarantee that they will easily grant your request.

If you get to neglect the payment of a medical or credit card bill, then a collection account may just appear on your credit reports. This usually happens when the original company that is owed writes off your debt as a loss and then sells it to a debt collection agency or company. Companies in general terms only sell your debt after you have become adamant about paying back a loan. This right here is known as a “charge off”, and typically it only happens after 90 to 180 days of non-payment.

If a collection account by any chance gets to appear on your credit reports, the last thing that you want to do is to ignore it. Collections as you should have known can have a dire impact on your credit, so it is very much important to know of the various ways to handle them.

Do Different Types of Debt Get Treated Differently

Debts that get to enter into collections are generally treated the same and they also play by the same set of rules. In many cases, they will all take up to seven years to fall off your credit reports.

However, medical collections on the other hand do have a couple of quirks in terms of how they are reported. And as part of the National Consumer Assistance Plan, medical debts will not be reported until after a 180-day waiting period to let insurance payments to be applied. Credit reporting agencies also must take away reported medical collections that have been or are being paid by insurance previously.

Medical collections also may get to impact your credit scores differently than other types of collection accounts, but however, depending on the credit scoring model. That’s due to the fact newer credit scoring models such as VantageScore 4.0 and FICO® Score 9 de-emphasize the impact of unpaid medical collection accounts that are on consumer credit scores.


Nobody really wants an account in collection, but many times we may make mistakes or we simply do not have the much-needed resources to pay off a bill. You should try and relax and try to understand that accounts in collection will not dent your credit reports forever. Generally, they will just fall off your reports after a period of seven years and you also may have options for renewing them before then.



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