Credit collection account could stay on the credit report for seven years. Although you pay it in full, still it is considered a negative account and will stay on debtors file as a “paid collection” for seven years. A lot of accounts turn out in collections after four to six months without disbursement. During this period, the creditors might have stopped calling you concerning the debt. Paid credit collections might not help credit score. Read More »How Long Does Negative Information Stain Your Credit Report?