How Long Can A Collection Stay On Your Credit Report

Collections stay for 7 years. Learn how it works, and how to remove them early.

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Collections will stay on your credit report for seven (7) years from the Date of First Delinquency (unless removed). In layman's terms, this is the date of the first missed payment that lead to the account being charged-off. Unfortunately, collections don't always come off after seven years.

Four things to keep in mind regarding collections staying on your report:

  1. Collection accounts will stay on your report for seven years (unless removed)
  2. The seven year period begins on the date of the first missed payment at which the account was “let go”
  3. The account should be deleted at the end of the seven year period (but sometimes isn't)
  4. Once the account is removed due to being on your report for seven years, it’s permanent

Get Your Collections Removed Professionally

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (866-529-4304) or setup a consultation with them. They also happen to have incredible customer service.

Remove Your Collections, Today!

Call 866-529-4304Schedule FREE Consultation

Remove Your Collections, Today!

Call 866-529-4304Schedule My FREE Consultation
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