Even if a delinquent account has been paid it can remain on the credit report for 7 years 180 days from the date of first delinquency. Paying the debt is not grounds for removal.You should have negotiated a pay for delete agreement.Daryl G I know what I am talking about.ven if a delinquent account has been paid it can remain on the credit report for 7 years 180 days from the date of first delinquency. Paying the debt is not grounds for removal. You should have negotiated a pay for delete agreement. Daryl G I know what I am talking about.