I am behind on my child support payments. Will this be reported to the credit reporting agencies?
The law requires credit reporting agencies to include information about
overdue child support in your credit report. Creditors and lenders may deny
credit based on this information. In addition, sometimes creditors and lenders
report the whereabouts of missing parents to child enforcement agencies.
Child support arrears remain on your credit report for up to
seven years, unless you make a deal with the child support enforcement agency.
An agency may agree not to report negative information to the credit reporting agencies if
you pay some or all of the overdue support. But few child support enforcement
agencies will agree to eliminate all negative information. Most will at least
report that you were delinquent in the past.
Many states require child support enforcement
agencies to notify you before reporting overdue child support information to
the credit reporting agencies. Usually, the enforcement
agency must give you a reasonable opportunity to dispute the information. Many states
require agencies to report only overdue amounts exceeding $1,000.
For more information on credit reporting agencies and what to do if the reported information is incorrect, see our Credit Repair area. To learn how parents and government agencies can collect child support arears, see our Enforcement of Child Support Obligations area.