How Long Will a Collection Account Stay on My Credit Report?

When it comes to credit reports, a collection account can have a damaging effect on your score. A collection is an unpaid debt that has been sold off by the original creditor to a third-party collector. But how long will such an account stay on your credit report?

The answer depends on the type of collection account you have and its reporting date. Generally speaking, most negative items will remain on your consumer report for seven years from the date of delinquency or when the account was reported as delinquent by the original creditor. This applies to any late payments or collections included in your credit report. For example, if you failed to make a payment on June 1, 2019 and it was reported as delinquent and sent to collections later that month, it would be removed from your credit history in June 2026.

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