Child support debts are automatically reported to credit agencies when a parent owes the equivalent of three months child support payments.
Reporting child support debts damages a parent’s credit rating and affects his or her ability to secure financing. This makes buying or refinancing a home, buying a car, or getting credit cards more difficult.
I’m paying my child support, but my credit report shows that I am not. What do I do?
If your credit report shows that you are not paying your child support obligations when you are, you need to file a dispute with the credit reporting bureau. Consumer dispute forms are available on the credit agency’s web site. For your convenience, the following list provides links to some common credit reporting agencies’ dispute forms: