child support on credit report

[Anonymous]

ok here we go let me try to explain this lol.

i have 3 child wich makes the account number 

xxx-xx-xxxx-1

xxx-xx-xxxx-2

xxx-xx-xxxx-3

 now i have showing on my credit report xxx-xx-xxxx-1 on credit saying paying as agreed with 0 balance account status open 

the problem is that this account has been closed by a judge in court closed in 2011.

now the other issue is all this time i thought it was xxx-xx-xxxx-2 that was being reported as that is the child with arrears at this very moment but its not on my credit report.

child xxx-xx-xxxx-3 is current and should be no problem wich in this case is mute since its being paid and has no arrears.

i have disputed few days ago saying account is closed and waiting the 30 days dispute. 

my question is can account still be open due to maybe being same account only difference is child number?

why not show xxx-xx-xxxx-2 on report wich is the one that should be doing massive damage as it has arrears to this date.

im hoping for the dispute to delete the whole account itself or at least come off after the 7 years wich would be 2018 since closed in 2011.

im a bit confused as to why this shows on credit report with an account that is 0 balance and closed and not the one with arrears. below is what shows on credit report

CHILD SUPPORT ENFORCEMENT77 
Date Opened: 09/17/1996 Responsibility: Individual Account Account Type: Open Account Loan Type: CHILD SUPPORT
Balance: $0 Date Updated: 02/28/2011 Payment Received: $0 Last Payment Made: 12/18/2006 High Balance: $0
Pay Status: Current; Paid or Paying as Agreed Terms: Paid Monthly >Maximum Delinquency of 120 days in 08/2009 for $1,827 and in 01/2011 for $71<
01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010
Rating 120 120 120 120 120 120 120 N/R 120 120
03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009
Rating 120 120 120 120 120 120 120 120

[RobertEG]

The standard for reporting of child support arrears is not the current status, but rather whether there were prior arrears, with an exclusion period of 7 years.

"FCRA §622.  Information on overdue child support obligations

Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [§ 1681b] of this title, any information on the failure of the consumer to pay overdue support which

(1)      is provided

• (A) to the consumer reporting agency by a State or local child support enforcement agency; or

• (B) to the consumer reporting agency and verified by any local, State, or Federal government agency; and

(2)      antedates the report by 7 years or less."

[Anonymous]

should it not say account closed and be sol in 2018? as of right now it says open and therefore the sol hasnt even started. im am hoping to atleast get a sol date as this is hurting my score big time. i only have 3 things on my credit report and that is a $136 debt and a $587 bank of america charge off and this damm child support these 3 things combined barely keeps me in the 500's.

i want to get my score up but having a hard time on what to do

[RobertEG]

The individual delinquency dates are specifice in the creidt report, and the CRA must exclude each no later than 7 years from its individual date of arrears.

The last arrears was reported in 1/2011, so the report will become clean of any credit reporting arrears after 1/2018.

Open or closed status is not relevant to the occurence and exclusion of the prior derogs.