Young man with glasses looks at his laptop in a co-working space with people working at a desk in the background.

How Long Do Collections Stay on Your Credit Report?

7 min read

Last Updated: June 24, 2025

Key Takeaways

Collections stay on your credit report for up to seven years.
Collection accounts hurt your credit score and may deter lenders from offering you credit.
If you’re struggling to pay your credit card bills, contact your lender and request a new repayment plan.

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