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How long do accounts in collection stay on your credit report?

The short answer: Accounts in collection generally remain on your credit reports for seven years, plus 180 days from whenever the account first became past due.

Why is my collection account not showing up on my credit report?

You may have a collections account on your credit report that shouldn’t be there. Maybe it’s too old to still be reported, or the collection itself is incorrect. Here's what to do based on where the error originated: Delinquent accounts should fall off your credit report seven years after the date they first became and remained delinquent.

Why does my account show up as closed on my credit report?

There are several reasons an account might be reported as closed. Some may need your attention, while the rest aren’t cause for alarm. You requested it. If you wrote to your creditor, canceled your account and got acknowledgement that the account was closed, it should come as no surprise that it shows up as “closed” on your credit reports.

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