First of all I was never in arrears. Secondly it has only ever reported on Equifax. It is listed in "Other Accounts" on the true Equifax hard copy report as well as EQ Credit Watch Gold what have you.
There is a notation in my child support history section on the state website for the May inclusion date. It states "credit bureau reporting cancelled". I called the child support rep and was told that they never reported this to any of the bureaus. I think what happened was someone reported it to EQ in error and stopped there.
There is no payment history viewable on the EQ reports and on the reseller reports only the May 2005 box is checked. I disputed it last year and the dispute date now shows as date of last activity. Came back verified via E-Oscar I would guess. I am afraid to dispute it again for fear it might get picked up by TU and EX.
It is not listed in either public records or judgments. They don't seem to know where to put it so it goes into the "other" basket. Pays as agreed. Scheduled payment zero last payment zero. Credit limit zero nothing negative.
I was told that the state will randomly pick cases to send to local authorities for review. Mine was obviously OK so that must be why I have the notation credit bureau reporting canceled on May 5 2005.
I don't want to send any paperwork to EQ from my local child support agency because that will in effect validate the child support tradeline. I got a nice Catch-22 on my hands.
Jersey state law states that a parent must be over $1000 in arrears before the case is reported to the Credit Bureaus.
At first I didn't think much of it when my EQ scores were basically in line with TU and EX but now my EQ is languishing at 706 with 2 inqs. while my TU is 731 and EX with 11 inqs is 717. When I started rebuilding 1 year ago my scores were EQ 682 TU 682 and EX 674. Now I am beginning to wonder if this TL is hurting my EQ score.
So its not a judgment or a public record. If this thing is considered positive in any way I could conceivably take it to the grave no?
Message Edited by smallfry on
05-29-2008 05:15 PM