Active positive information can remain indefinitely (if an account is closed that has been positive, then it will typically remain on your report for 10 years after the date the account is closed). Collection Accounts: A collection account remains for 7 years from the initial missed payment that led to the collection. Public Records: Chapter 7, 11 and 12 bankruptcies remain for 10 years from the date filed. Completed Chapter 13 bankruptcies remain for 7 years from the date paid, and 10 years if not completed.