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How Long Can A Collection Stay On Your Credit Report

Updated:

March 9, 2023

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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:

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

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