My question involves collection proceedings in the State of: When I left college in 2005 the electric bill was still in my name. My college roomates didnt pay the bill and has been hitting my credit. I attempted to pay them if they would take the negative mark off of my credit. They would not. The late payment was almost 7 years ago, yet the "KD" was put on my credit just over a year ago. Will this come off of my credit in 7 years from when they put the "KD" or from when the payment wasnt made? Thank you for your help.