11-16-2012 08:44 PM
Emotions are high right now. My son didnt want to move with me and it took the court 8 months to settle on support, yes I am female and paying support (sick of people being surprised) Anyway they refuse to update my COLLECTION account that I am paying monthly on along with the current payments to an updated status. RIGHT NOW if a bank looks at my credit reports they will see this as I am not doing anything with this and it has been getting paid down monthly. What rigts do I have to force them to report accurate information?
I called the attorney genera twice trying to get numbersl, FTC several times, some other consumer help line, The beauro of consumer protection. They refuse to update my credit reports to reflect that I am making payments on their account!!! I even sent a complaint to the consumer protection beauro of finance and sent them the PDF from the fair credit reporting act section 623 where it states collection agencies must report acurate information! What are my options?
Anyone? I only have 3 collections on my report. This is being reported as "other" and they will not update it.
11-17-2012 06:25 AM
Sorry to hear about your situation. Child support postings is actually a weakness of mine, I've tried to study some about it, but it is still a bit of a mystery. So how exactly are they posting it to your CR? Are they posting monthly lates? Is it a CA that is posting them? Try and give me a bit more info and I will do my best to try and figure something out with you. Thanks.
11-17-2012 06:48 AM - edited 11-17-2012 06:50 AM
OHIO DEPT OF HUMAN SERVICE
Account Number: XXXX Current Status:
Account Owner: Individual Account. High Credit: N/A
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit: N/A
Terms Duration: Terms Frequency: Monthly (due every month)
Date Opened: 06/16/2011 Balance: $3,053
Date Reported: 11/07/2012 Amount Past Due: $3,053
Date of Last Payment: Actual Payment Amount: $487
Scheduled Payment Amount: $406 Date of Last Activity: N/A
Date Major Delinquency First Reported: 08/2011 Months Reviewed: 13
Creditor Classification: Activity Description: N/A
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 07/2011
Comments: Collection account,
Customer has now located consumer
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2012 CA CA CA CA CA CA CA CA CA CA
2011 * * CA CA CA CA CA
Payment History Key
The comments bug me too! This was something that was being worked on before I moved so they make it sound horrible. I work for a state agency and can NEVER be late or ignore the fact this bill is owed or I would lose my job.
Maybe because they are not reporting it late it isnt hurting me, I do know when I dispute it my equifax score drops 40 points.
Also they report quarterly so the amount owed should be around 2700.00.
11-17-2012 07:04 AM
I believe I would keep making the payments to get it up to date and then see what it reports. I don't see how the state of Ohio could be listed as a CA. That just seems a little strange. It would be a negative because it is still in arrears until you get the past due caught up.
11-17-2012 07:48 AM
That is the past due amount. Heres what they did to me. The original court date was rescheduled 8 months later. During that whole time it got rescheduled it was accruing payments. I just thought they would actually start the child support from the time it was settled but they didnt do that. The got me with 5K arears and obviously with my moms health condition I couldnt pay that all, so they were okay with making payments but they slapped a collection up there and refuse to note the payments. This has been paid on and NEVER late. The goverment told me to get a lawyer. This is so unfair, I have never missed any payments current or on this agreement.
They said they would make a satisfied account once I pay it, but this is so unfair.
Anyway I called two attorneys here and they both said they dont know what to do about it and when I found a solution to let them know!
Child enforcement is doing something illegal and according to section 623 of the fair reporting act they are supposed to report acurate information. This is not accurate information.
11-17-2012 09:30 AM
10-21-2013 01:04 PM
So I called the DCSE office, and they said they will send me my payment history, they consider arrears late payments (which is unfair) I started to pay the arrears the same month the determination was made and paid them until they were paid off. I am now going to head to the office of the District Manager with my payment history and court documents and try to have them change my arrears to on-time. If she wont do it, I will just ask for information asking the Regional Manager or State Manager and just keep climbing this ladder.
*posting under wifes name
10-21-2013 03:10 PM
Child support can be confusing. I noticed mine was showing as late once and called the local AG office. I was told it would stay as late till the arrears were caught up. This didn't happen. My payments got behind when I changed jobs. Once the new payments were being made on time, it started showing pays as agreed, but payment history shows the lates as it should.
I realize this helps none at all, but wanted to post my situation. I'm in Texas, but was told the same thing you were. Until the arrears are caught up, it will be listed as late. I guess I got lucky. Its not fair at all.
10-21-2013 04:16 PM
Make sure you check the interest laws in your state. Every state ads interest usually at 10% of amount owed. So it could be climbing each month! You may want to settle with the state for the amount owed usually child support offices will settle and put on a credit card. You may find it to be cheaper in the long run
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.