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How Collections Damage Your Credit Score

One of the most common questions is how long do collections stay on your credit report and the answer isn’t black or white. It’s only suppose to stay on your credit report for seven years, but that’s virtually never the reality.

Debt collections often stay on your credit report for much longer and this is for a variety of reasons. The first of which is the original creditor charged off your account most commonly after 180 days of delinquency or non payment. Once this happens the account is sent or sold to a collection agency.

It’s a dirty little secret that debt collectors will often re-age consumer accounts, so they can continue to attempt to collect payment from you. This also enables them to continue reporting negative information on your credit history and damaging your credit score.

How Collections Damage Your Credit Score

Anthony Sprauve, the spokesman for, says a collection listing can damage your credit score by up to 100 points. If you’re not an expert, FICO is the company that actually calculates and spits our your credit score.

If your big picture objective is for the collection listing to disappear from your credit history after seven years, you’re in for a rude awakening. You can rest assured that the collection agencies aren’t sitting around watching for the legal time window to run out on your account.

This means they lose and obviously that’s not what’s built the massive debt collection industry. Get a FREE credit consultation with certified FICO professional by calling toll-free 1-877-418-7596.