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CHILD SUPPORT ON CREDIT REPORT

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bahbahd
Established Contributor

Re: CHILD SUPPORT ON CREDIT REPORT


@b71913 wrote:

If you knew you owed back child support, why didnt you just pay it and it would have never been reported late. Just curious


LOL. You've made 39 posts in since 2009 and wasted one on this comment?  Uhg...

Message 11 of 21
ArCpa
Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

Really doesn't matter how many post i make , Just have problems with people who have kids and dont pay for them. Guess you want a cookie since you have made 631 comments. Sorry im a  CPA and dont have time to and make comments.

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Message 12 of 21
Shogun
Moderator Emeritus

Re: CHILD SUPPORT ON CREDIT REPORT


@guiness56 wrote:

@b71913 wrote:

If you knew you owed back child support, why didnt you just pay it and it would have never been reported late. Just curious


Life happens.  Please don't judge.


It's $34 that got missed somehow.  That in no way makes the OP a deadbeat.  It just has to be a bookeeping mixup.  

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Message 13 of 21
guiness56
Epic Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

Be nice and no judging others.  That is not why we are here.

 

The OP was in behind but paid it in full.  The issue now is something else going on.

 

 

Message 14 of 21
ArCpa
Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

@ SHOGUN ,Wasnt  trying to be rude but i will explain it to you. I live in Arkansas, and have full custody of my 7 yr daughter. For the first 2 yrs i paid th ex-wife, CS,Insurance,Day Care and spousal support. The last 5 yrs i have had full custody and have never received a dime and could care less if i did. But the original post stated he had his check garnished. Well in Arkansas they only garnished your check if you unwilling to pay . Again im not in a position to judge anyone because i dont know the facts. But what i do know is that they only Garnish you pay when you refuse to do anything in the first place.

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Message 15 of 21
ArCpa
Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

@ guines56, Your right this is going in the wrong direction and i apologize.Just something that  shouldnt have been said.Will be my last post about this  matter.

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TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 16 of 21
Shogun
Moderator Emeritus

Re: CHILD SUPPORT ON CREDIT REPORT

Back on topic.  I would contact them as guiness has said.  With that small amount, it would have to be a clerical error, hopefully one that is easily fixed.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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June 2017 update: All scores over 820, just pure gardening now.
Message 17 of 21
RUSTY101
Regular Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

My check was never garnished. The child support comes out of my check and that is the way it is done in Arkansas now. Its done on an IWO form being sent to company.

Message 18 of 21
RUSTY101
Regular Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

Thank You for your reply Guiness. I have done that. They have the right amount, the lady says she believes its from a 5 week month not having enough sent to the clearing house. I know they took enough out of my check, cause thats done every week.  I sent a check out today for the $34. I am hoping once they apply it, they will take it off my credit report. If not, I am going to try a letter explaining that I dont have a way to know how much company is actually sending, but they are taking every week the correct amount.  Also, you are right, I am not a dead beat dad. I got behind, so the mother told me I could just pay her, and she dropped it through the office. When she got mad at me she went back and applied again. I was young and dumb. I told them I paid her, but basicly they said too bad, it has to go thru clearing house to be counted. They stuck me with a large amount of arrears. I have paid everything and thought all was ok for several months now. Decided to run my cr when I seen the $34. I am very willing to help with my daughter. I pay her medical, the support and give her money most every month for spending.

Message 19 of 21
ArCpa
Contributor

Re: CHILD SUPPORT ON CREDIT REPORT

@ Rusty , The word dead beat never came out of  my mouth, i was only stating from my experience. And of course the laws could have changed in the last 5 yrs . Being  a CPA and I have to garnish people's  paycheck for child support or judgements . I will tell you this If you asked your employer , by law they have to give you a copy from  the state , in reguards to how much and when they will deduct it from your pay check. Also if somehow the amount goes up or down, they must give you thgis information 10 days before they proceed . Another thing is that some companies will try to charge you to do a garnishment.

 

Here is an Example:

 

Your Required Support Weekly = 100.00

You  Company Fees to Process the garnishment = 3.00

The amount they send the State = 97.00

Results: Even though there taking the correct amount , your still short. This is borderline illegal but depends on what papers you signed when you were hired.

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TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 20 of 21
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