When Do Debt Collections Fall Off Your Credit Report?

Illustration with a credit score meter and various icons, including a key inserted into a lock, a paper and a clock, money with arrows on each side, one hand shaking another, and a key unlocking a lock, representing various factors that have no bearing on when debt collections fall of your credit report.

The Balance / Theresa Chiechi

Any type of financial account can be sent to a collection agency if you become delinquent on the payments. When an account goes to collections, it will typically also be listed on your credit report and used to calculate your credit score. Unfortunately, debt collections bring down your credit score and can continue to affect it even after you pay off the balance.

Some newer versions of credit scoring calculations don’t consider debt collections under $100 and don’t ding you as much for medical debt collections. Even so, these blemishes can follow you around for years, hurting your ability to get approved for new credit cards, loans, and other credit-based services.

Thankfully, debt collections won’t be on your credit report forever. The Fair Credit Reporting Act requires that debt collections fall off your credit report after seven years. In the past, court judgments against you for debt collection appeared on your credit report as long as an individual state's statute of limitations. However, the major credit bureaus no longer include these civil judgments in your report.

When Does the Reporting Clock Start?

The credit reporting time period for debt collections starts from the date of the delinquency that caused the collection. With collections resulting from a charge-off, it starts the date the account was charged off (not on the date of the first 30-day late payment preceding the charge-off). So, if you were first late in February 2013 and the account was charged off in July 2013, the account should fall off after July 2020. Some versions of your credit report may include phrasing that indicates when the collection will fall off your credit report, such as, "Scheduled to report until 06/2020.”


The credit reporting time limit for debt collections is based on your delinquency with the original creditor, not when the debt collector started collecting on the debt. 

When Will a Paid Collection Fall Off Your Credit Report?

While it’s better to pay off a debt collection, unfortunately, payment doesn’t immediately remove the account from your credit report unless you negotiate beforehand to have the account removed upon payment. Unless you negotiate a pay-for-delete agreement, the collection will stay on your credit report for the entire credit reporting time limit, and the balance due will be updated to $0. Still, a paid collection can improve your credit score and will look better when you apply for new credit.

6 Misconceptions About When Collections Will Fall Off

There are some common misconceptions about what affects the date a collection will fall off your credit report. Below is a list of other dates that do not affect the date a collections account rolls off your credit report.

  1. Activity on the collection: These include payments, a payment arrangement, or talking to the collector about the debt. This does not restart the reporting time limit for debt collections. It does, however, affect the statute of limitations, which is a different time limit defining the amount of time a collector can sue you for a debt.
  2. Previous late payments: Let’s say you were 30 or 60 days past due on the account in June 2019 but you caught up with payments and paid on time for a few months. You then went late again in December 2019, never got current, and the account was subsequently sent to a collection agency. Those first late payments in June do not affect the date the collection will fall off your credit report because you brought your account into good standing again. (Those late payments have a seven-year reporting limit too, but they will appear with the original account history, not the debt collection.) It’s the second set of late payments that starts the clock for the collection to fall off your credit report.
  3. Date the collection agency took over the account: Throughout the life of your debt collection, different agencies may collect on the account. These may appear on your credit report, but the delinquency date never changes, since it's based on the original account. If a collection agency reports a different delinquency date, you can dispute the error and possibly even sue the collection agency for violating federal law.
  4. The date the account was opened: Unless it's the case that you opened the account and never made a payment, or it's a medical debt in which you were billed the same day you received services.
  5. The date the account was closed: Whether you close the account or it's closed when sent to collections, this date does not impact the clock for your credit report.
  6. The date the account was settled: If it takes you two years after the original delinquency to pay off the debt, you still have only five years left before the debt collection leaves your credit report.


Remember that the collection reporting time limit is based on the original date of delinquency that led to your debt collection and no other dates or activity.

Review Your Credit Report for Answers

If you're wondering when a specific collection account will fall off your credit report, pull a copy to review. You can get a free one from AnnualCreditReport.com once a year. Review the history for the original account to check the date of delinquency and add seven years to that date. That's about when you can expect the collection account to drop off.

Frequently Asked Questions (FAQs)

When do collections fall off your credit report in Canada?

In Canada, most negative pieces of information will fall off your credit report after six years. There are some situations in which negative marks could fall off your report sooner or later than six years, but you can expect most negative information to last six years.

How long does debt stay in collections?

The statute of limitations that determines how long you are legally liable for your debt depends on the type of debt and the state where you live. In general, most debt comes with a statute of limitations between three and six years, but some debt is collectible for more than a decade. After the statute of limitations has passed, you are not legally required to repay the debt, though that doesn't protect you from negative credit report impacts.

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The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Experian. "Collections on Your Credit Report."

  2. Federal Trade Commission. "A Summary of Your Rights Under the Fair Credit Reporting Act."

  3. Consumer Reprots. "Credit Reports Soon Won't Include Some Tax Lien, Civil Judgment Data."

  4. Equifax. "Collection Accounts and Your Credit Scores."

  5. Government of Canada. "How Long Information Stays in Your Credit Report."

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