Child Support Question

Question

I don't know where to ask this question so I am going to ask it here. Backstory:  My husband has been paying on child support for almost 16 years. A year ago, they sent a notice stating that he was behind $1500 + interest. We pulled all the records and all the payments and even sent proof that there was no way he could be behind. The screw up came from the paperwork not deducting enough per month for retro-active child support. It took them 13 years to catch the error and of course we didn't even think about doing the math thinking the courts did it correctly. Note to everyone...add up retroactive and make sure it equals! Of course he has an account on his credit report showing up to 120 days late for his child support. He is all caught up and current now and we have been keeping an eye on everything to make sure this doesn't happen again. He has two and half years till he no longer owes child support, but the damage is already done on his CR. We are building up our scores and credit to buy a house in 2016. This TL is not set to go positive until the year 2020. Has anyone had any luck with sending Good Will letters to the Attorny General to get the lates off their CR? Will mortgage companies look at the lates on this TL even if everything shows current and also states a $0 balance? Any help will be appreciated!

Answer 1

superdad wrote:
CS will show up on your CR and it DOES affect your scores.  I had mine show up once it fell 45.00 behind.  It showed up as a TL with a balance of 45.00 and my scores went down 5-8 points.  Then by next month it would report a 0 balance and my scores will go back up 5-8 points.  This all happens in a 2 day period.  There is NO WAY they will deleate it or remove the lates!!!  As of right now it shows a 0 balance but by the end of the month it will be back on the cycle.  It's STUPID!!! "http://www.myfico.com/crediteducation/whatsnotinyourscore.aspx What's not in my FICO ScoresFICO Scores consider a wide range of information on your credit report. However, they do not consider:Your race, color, religion, national origin, sex and marital status.
US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.Your age.
Other types of scores may consider your age, but FICO Scores don't.Your salary, occupation, title, employer, date employed or employment history.
Lenders may consider this information, however, as may other types of scores.Where you live.Any interest rate being charged on a particular credit card or other account.Any items reported as child/family support obligations.Certain types of inquiries (requests for your credit report).
Your scores do not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. They also do not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.Any information not found in your credit report.Any information that is not proven to be predictive of future credit performance.Whether or not you are participating in a credit counseling of any kind.