I have an unpaid credit card debt that was opened in 1999, and reported in 2003. I just got a letter from a lawyer about paying it, and have started making payments on the $3000 debt. In Oregon, how long does this get to stay on my credit report? I thought an unpaid debt must be removed from my credit report seven years and 180 days from the time the account first went delinquent. And if so, how do I get it off my credit report? Thank you.