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Will Unpaid Child Support Appear on my Credit Report?

Will Unpaid Child Support Appear on my Credit Report?

Credit reporting agencies are required by law to include information about overdue child support in your credit report. This information may or may not influence creditors or lenders. Unpaid child support, called child support arrears, remain on your credit report for up to seven years. An agency could make an exception to that rule if you make a deal with them. For instance, if you agree to pay some or all of your arrears, an agency may agree not to report negative information to the credit reporting agencies. Still, usually child support enforcement agencies will not eliminate all negative information, and will at least report that you were delinquent in the past. Most state Department of Social Services agencies monitor monthly child support payments. They may also monitor when the support is received by the parent receiving payments. When a parent has overdue payments, they are alerted by the Department and the parent is allowed an opportunity to contest the arrears. Social Services send credit reporting agencies monthly a list of parents who have over $1,000 in arrears. If the parent continues to miss payments or does not pay back the debt, that information will most likely be included on a credit report. Creditors will continue to receive these reports as long as the arrears are unpaid. Balances that are unpaid for 180 days will appear as collection accounts on a credit report. Once overdue child support payments appear in a credit report, banks and other creditors may limit or deny credit until debt is partially or completely paid off. If you pay back your arrears, but still owe...