Will a collection account come off your credit report if never paid?

Eventually it will. Even a bankruptcy is supposed to disappear after 7 years. However, such a thing on your credit will not necessarily stop you from getting more credit. The way the credit companies look at it, if you aren't paying that bill you have a bit of money that you could be giving to them. So you will still get the credit card applications and you could still probably even get a new car (or at least a used one on credit). But be careful. The interest rate WILL be back-breaking, and you will probably just get into more of the same trouble.