AFAIK, lates remain on your CR, regardless of state residency, for 7 years.
From what I've read here,
paid collections remain on your CRs in NY for 5 years.
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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!
