Re: ANOTHER QUESTION ON CHILD SUPPORT POSTING TO CR
09-18-2012 01:12 PM
I don't think you're a deadbeat whatsoever. Trust me, I know from deadbeats.....those parents (and they come in both genders) don't care about their credit at all.
I'm thinking this: they probably tagged the last month they possibly could on your credit report. Mom renewed enforcement efforts in 2010. You were then hit with a very large arrearage bill (2001-2010) plus, I'm assuming, a regular monthly CS amount to pay. Typically, the norm is for a payor to pay the regular payments plus extra to pay down the arrearages. Is this what you were doing 2010-2012? Or was there just a lump-sum payoff in 2012?
I'm wondering if they applied your payments to arrearages in a weird way making it seem like you were behind in March/April 2012. That would happen if they applied your payments to arrearages first - which isn't the way it's supposed to happen but it's not unheard of.