The state that you live in determines how long a credit card judgment is valid. Depending on your state laws, a credit card judgment can be collected for as long as 10 to 20 years. Credit reports usually show credit card judgments for seven years from the date of the judgment or longer depending on your specific state law regarding judgments. It is best not to ignore the collection efforts of a creditor as they could sue and obtain a judgment that will stay on your credit.

For more information read, “Credit Card Judgments: How Long Before They Expire?”