How Long Can A Collection Stay On Your Credit Report

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

Collections will stay on your credit report for 7 years from the Date Of First Delinquency (DOFD)

Call (833) 461-0151 ➔
Speak with a live credit specialist to see if we can help improve your score

Collections will stay on your credit report for 7 years from the Date Of First Delinquency (DOFD). In layman's terms, this is the date of the first missed payment at which the account was never paid again. Once this period ends, they're removed permanently.

So to recap:

  1. Collection accounts will stay on your report for 7 years
  2. The 7 years begins on the date of the first missed payment at which the account was let go
  3. The account will automatically be deleted at the end of the 7 year period
  4. Once the account is removed due to being on your report for 7 years, it's permanent

Why choose Credit Glory?

Popular Alternative 1
Popular Alternative 2
Price
$99/m (+ small, one-time $100 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of March 1st, 2022

Supercharge Your Future & Credit Score, Today!

Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7)