How Long Do Collections Stay on Your Credit Report?

How Long Do Collections Stay on Your Credit Report? article image.
Dear Experian,

How long does it take for a collection to be deleted from my credit report?

- SMQ

Dear SMQ,

Your credit report is a history of all your accounts and your payments on those accounts. Most negative information, such as collections, stay on your credit report for seven years, while positive information is kept longer.

Collection Accounts are Removed Based on the Original Delinquency Date

Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report.

The original delinquency date is calculated based on the payment history of the original account. If both the original account and the collection account are appearing on the report, they will both be deleted at the same time.

Thanks for asking,
The "Ask Experian" Team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.