How long does it take for a collection to be deleted from my credit report?
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.
Paying a Collection Can Benefit Your Credit Scores
Although collection accounts stay on the credit report for seven years, the longer ago they were paid off, the less of an effect they will have on your credit scores. A collection account that has been paid in full is often viewed more favorably by lenders than if left unpaid, especially after some time has passed.
In fact, some newer scoring models no longer include paid collections when calculating scores, so paying off a collection could benefit credit scores even sooner.
Thanks for asking,
The “Ask Experian” Team
« Previous ArticleI'd Like to Improve My Credit Score by 100 Points. What Are Some Steps I Can Take to Do So?
- Credit Report Basics
- My Credit Report
- Credit Report FAQs
- About Checking Your Credit Report
- What is Credit
- Fair Credit Reporting Act (FCRA)
- Understanding Your Experian Credit Report
- Account Status Glossary
- Annual Credit Report FAQs
- Collections on Your Credit Report
- How to Dispute Credit Report Information
- Instructions for Disputing by Mail
- Disputes FAQs
- Experian’s Document Upload Service
- Bankruptcy: How it Works, Types & Consequences
- Hard vs. Soft Inquiries on Your Credit Report
- What Is a Credit Report?