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Hi All,
Hopefully you can help me with this. Last week, I pulled my AnnualCreditReport.com reports then A few days later I joined CCT.
The following is not on my AnnualCreditReport Reports.
On my Experian and Equifax reports from CCT, there are listings for VA Child Support date opened 5/1/2009 with a 9K balance, Closed, and Late/Unknown payment status. Both were last updated 6/2016. (For the Record, I am not and have never been in arrears with my child support. Even through my bankruptcy in 2005 and unemployment that was paid before any other bill)
When I divorced in 2001, I voluntarilly had a Income Deduction Order (Wage Garnishment) put into place so the state could keep accurate records and that it comes right from my check without me having to write checks semimonthly to my ex wife.
My Child support was adjusted in May 2009 and that IDO states right on it that "There are no arrears in ChildSupport or Spousal Support at this time." (I had infact over paid at this time by $348)
My Support was adjusted again 1/1/2016 and that IDO has the same no arrears langauge.
My question are:
If I never pulled my reports through CCT, I would never have know these were on my reports.
Thanks in advance......
Solo
Any credit report, regardless of source, picks and chooses what information to include.
In recognition that situations arise where a consumer may have questions regarding what is actually in their credit file, two provisions of the FCRA permit consumers to request information from the CRAs.
FCRA 609(a)(1) permits a consumer to request disclosure by the CRA of any information of record in their file.
FCRA 609(a)(2) permits the consumer to request the source of any information in their file.
Your situation would appear to fit both of the above, as you question what is in your file, and who provided it.
I would send a formal request for disclosure of both the information and its source.
Requests under section 609(a) must be accompanied by proof of your identity and the current CRA processing fee, which is currently $11.00.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
FICO scores do not include child support see this link. http://www.myfico.com/CreditEducation/WhatsNotInYourScore.aspx
@Anonymous wrote:Hi All,
Hopefully you can help me with this. Last week, I pulled my AnnualCreditReport.com reports then A few days later I joined CCT.
The following is not on my AnnualCreditReport Reports.
On my Experian and Equifax reports from CCT, there are listings for VA Child Support date opened 5/1/2009 with a 9K balance, Closed, and Late/Unknown payment status. Both were last updated 6/2016. (For the Record, I am not and have never been in arrears with my child support. Even through my bankruptcy in 2005 and unemployment that was paid before any other bill)
When I divorced in 2001, I voluntarilly had a Income Deduction Order (Wage Garnishment) put into place so the state could keep accurate records and that it comes right from my check without me having to write checks semimonthly to my ex wife.
My Child support was adjusted in May 2009 and that IDO states right on it that "There are no arrears in ChildSupport or Spousal Support at this time." (I had infact over paid at this time by $348)
My Support was adjusted again 1/1/2016 and that IDO has the same no arrears langauge.
My question are:
- Why is this only showing up on CCT and none of the other ways that I have pulled my reports?
- Should I do anything about it? (If so, who should I contact?)
- Is this effection my scores?
If I never pulled my reports through CCT, I would never have know these were on my reports.
Thanks in advance......
Solo
This was being reported to the CRA by the Division of Child Support Enforcement as a collection.
Talked to DCSE, they told me that they never received an updated order that reduced my obligation. They told me to fax the court orders to them and they would take care of it.
The part that bothers me is that the date on this was from 2009. I am sure tht there will be a lot more involved in getting this removed. More than likely I am going to need to go to the court house and get certified copies of my records to send to them from 2009 that states I had OVERPAID support at that time.
I hope this drops off soon.
@Anonymous wrote:This was being reported to the CRA by the Division of Child Support Enforcement as a collection.
Talked to DCSE, they told me that they never received an updated order that reduced my obligation. They told me to fax the court orders to them and they would take care of it.
The part that bothers me is that the date on this was from 2009. I am sure tht there will be a lot more involved in getting this removed. More than likely I am going to need to go to the court house and get certified copies of my records to send to them from 2009 that states I had OVERPAID support at that time.
I hope this drops off soon.
How frustrating. I hope this gets taken care of quickly.