It is possible to have collection accounts which ought to be deleted still exist in your report. Unfortunately most people are unaware that these accounts can be removed. Whether you fell into difficult situations hence your inability to pay up, or the account was wrongly reported against your name, you can have it removed.
All negative reports have a maximum lifespan, but in order to know this, you need to take some actions; The first would be to get a copy of your credit report from any of the credit bureaus (Equifax, Experian, Transunion) and carefully examine the date associated with each collection account. There should be a date stating when it was first reported as a collection account to the bureau.
Accounts that exist for more than seven years are to be deleted from your report by law, therefore if the date it was first reported is longer than seven years and six months then the account needs to be deleted. What you should do next is to send a dispute letter stating your argument as to why that account should be removed for good.
This is not the only way you can remove collection entries. Once you have a dispute with an entry on your report, you can request that an investigation be carried out into that entry. If after the investigation the entry cannot be linked to you, it would be deleted from your report.
The law requires that the debt collector be notified on the results of the investigation, but this is not always the case. In order to accomplish this on your own, you need to be familiar with the laws governing credit bureaus, and creditors. This is known as do-it-yourself credit repair. On the other hand if you don't have the time to invest in do-it-yourself credit repair methods you can hire the services of a credit repair law firm.