1. Money

How long will a debt collection remain on my credit report?

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Question: How long will a debt collection remain on my credit report?

Answer: If the collection account is accurately reported, it will remain on your credit report for seven years from the date you went delinquent with the original creditor, NOT from the time the debt collector took over the account. After that time, it's against the law for credit bureaus to leave the collection account on your credit report.

You can dispute the account from your credit report if it’s not your account, if the account was incorrectly sent to a collection agency, or if the account is older than seven years but is still on your credit report.

 

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