Child Support Reporting....??

[Anonymous]

I don't know if this is the right section but, DH and I are working on fixing his credit report. He has been behind on child support since he and his first wife divorced because he was ordered to pay support from the day they filed divorce (which was over a year before the final orders and all of this started in 1999) he also has another child he pay support on and is behind for other reasons since 2004. Both of these just started reporting to his EX only this month. It is listed as coming from the County Courthouse not a collections agency. How long can these report or is it like liens/judgments that can stay on as long as they are unpaid? I've also read that since it is coded child support it will not affect his FICO. Both should be completely caught up by the begining of next year I just wanted to know why now and how long can they do this and all of that that I already mentioned! Thanks for the advice.

Status:  Collection account. $4,955 past due as of Aug 2012.
Date Opened:  12/1999 Date of Status:  08/2012 Reported Since:  08/2012 Last Reported Date:  08/2012	Type:  Child Support Terms:  1 Months  Monthly Payment:  $0 Responsibility:  Individual	Credit Limit:  $4,955 High Balance:  N/A  Recent Balance:  $4,955 Recent Payment:  $0

Status:  Collection account. $4,512 past due as of Aug 2012.
Date Opened:  01/2004 Date of Status:  08/2012 Reported Since:  08/2012 Last Reported Date:  08/2012	Type:  Child Support Terms:  1 Months  Monthly Payment:  $0 Responsibility:  Individual	Credit Limit:  $4,512 High Balance:  N/A  Recent Balance:  $4,512 Recent Payment:  $0

[bettercreditguy1]

Child support is an ongoing liability. It takes priority over most other judgements/garnishments. It is weighted heavily to the negative if you are behind. It will also hinder if not stop any bank or financial institution from giving you a mortage, car, or other type of consumer loan. I was in the system at one time although, I was never behind or had a garnishment, and yes, it was difficult for me to borrow money. Fortunately, my child support payments never made it to my cc files, although, the Title Company found the Child Support Order when I did a Mortage Loan. Consequently, my interest rate was higher due to the added risk.

[Anonymous]

I just don't understand why it's showing up now and only on the one report... And his child support plus back pay come directly out of his check voluntarily and it always has.

[bettercreditguy1]

It is a public record. When I applied for credit while I was paying child support, the amount I paid monthly also showed up. The obligation of it, plus other debts placed me out of the qualifying range. Financial organizations know that Child Support Obligations will be paid before banking payments, due to the more severe penalties for falling behind.

Unfortunately, this gives the banks a second in line on the asset which if sold or confiscated and sold to justify unpaid child support, which could create a loss to the credit grantor.