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Credit reporting due to back child support

On Behalf of | Apr 22, 2024 | Family Law | 0 comments

Child support is a key financial responsibility that parents have towards their children. When a parent fails to meet this obligation, it not only affects the child’s well-being but can also have implications on the parent’s credit report.

It is important for parents to review how unpaid child support can impact credit bureau reporting and steps they can take to address this issue.

Credit bureau reporting

Credit bureaus are agencies that collect and maintain financial information about individuals, including their credit history and payment behavior. According to the Pennsylvania Department of Human Services, when a parent falls behind on child support payments for two months, the child support enforcement agency reports this delinquency to the credit bureaus.

This information can then be included in the parent’s credit report and may have negative consequences. It can harm an individual’s credit score and overall creditworthiness. A lower credit score can make it more difficult to obtain loans, credit cards or other forms of credit in the future. It can also lead to higher interest rates, costing the individual more money in the long run.

Addressing unpaid support

If you find yourself in a situation where your child support payments are overdue and at risk of becoming reported to credit bureaus, take action promptly. If you are facing financial difficulties that are hindering your ability to make child support payments, it is important to communicate openly and honestly with the other party. They may be willing to work out a payment plan or modify the existing agreement to better suit your current situation.

It is essential to regularly monitor your credit report to check for any inaccuracies or negative information related to unpaid child support. If you find any errors, you can dispute them with the credit bureaus to have them corrected.



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