“How Long Before a Collection Comes Off My Credit report?”

“How Long Before a Collection Comes Off My Credit report?”





How are you and hope you had a nice Thanksgiving!

I paid off 1 of the derogatory accounts, however it’s still on credit report and I asked for a settlement statement but nothing so far and I’m hoping to do the other one by weekend!  Is there a time period for them to report?


There isn’t a simple answer for how long it takes for a derogatory item to come off your credit report, as there are several answers:


1) It can take up to 7 years


2) If paid in full you might be able to negotiate with the creditor to remove it completely, but they don’t have to agree.


The real goal should be to have anything derogatory on a credit report to STOP reporting the account in a negative way and to show the obligation as settled or paid. Once that happens that credit item will start improving the credit scores.




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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

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Comment balloon 2 commentsJoe Petrowsky • December 16 2019 01:39PM


Good morning, Joe Petrowsky this is good information for those who are attempting to get on the right track.... it's not always easy.

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) 4 months ago

Good morning Joe Petrowsky - the best way is to stay on top of the payment schedule and even elect auto pay.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) 4 months ago