A debt collection account can remain on your credit report for a period of seven years. Usually an account is first reported as late and delinquent to the credit bureau. When the creditor charges of the late account and passes off to the collection agency for recovery than a collection account also gets reported. Both the delinquent accounts and the collection account are supposed your remote at the same time which is offer a passage of seven years from the date that’s the delinquency was first reported. If the creditor did not report account to the credit bureau and send it to a collection agency for recovery a new collection account will be created in your credit file offers time. This collection account will remain for a period of seven years from the date that it was first created.
You can dispute a collection account that is present on your credit report even after the passage of seven years.