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How Long Do Collections Stay on Your Report

Collections are continuation of debt owed and can stay on your credit report for up to 7 years from the date the debt first became delinquent and was not brought current . However, if an account were to become late today, the payments were never brought current, it was charged off as bad debt, closed and sent to collections, then the original delinquency date would be today's date.


After seven years, that negative information will automatically drop off your credit report, even if a collection agency has assumed the debt. The clock on the debt doesn't reset if its transferred to another creditor; your original delinquency Date remains the same for both original account and the collection agency account.

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