When will collection or delinquent accounts come off your credit report?

They are on for a total of seven years so they have already been there for half that so they will be off in 3-4 years. One way to get the credit score up is to have maybe 2 accounts that you pay on time and do not keep the balance near the credit line. That is one thing can really drag the score way down . People think paying on time is the only important thing but it's only only part of it. How much available credit you have and how much of it you use are big factors . If you are having trouble getting a visa or mc then get one of those secured ones where they will give you a $300 credit line for a security deposit of $95. There are hefty fees but it's worth it if you want to prove you pay on time. Orchard Bank has these cards as well as some other banks