This usually depends on the collection agency, but they can report you anywhere from 30 days to 6 months after you become delinquent. It's best not to give them the opportunity to report you. It’s best to keep a close eye on your credit report over the next two or three months. You can do this for free, right here on WalletHub! To start, go tohttps://wallethub.com/free-credit-score/.
If your collection is old (over 1yr) - paying off your collection has unintended consequences. The scoring system will only see paid collection the day you pay it and this will dramatically reduce your credit score.. due to the DLA (date of last activity) changed to today and paid collection.. ouch .. you need negotiate b/4 you pay for the creditor to remove the line item completely from your credit or to not change the DLA when they report the paid collection..
this glitch is so bad ... FHA financing doesnt request you to pay off collection or charge offs (due to this issue with score dropping..)
hope this helps
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