Reporting Unpaid Child Support To Credit

Deadbeat Parents and Child Support

If your deadbeat parent owes more than $1,000, you should make sure his debt is reported to the major credit bureaus:

Equifax Credit Reporting Agency
P.O. Box 740241
Atlanta, GA 30374-0241
Telephone: (800) 685-1111

Experian Credit Reporting Agency (formerly TRW)
Experian National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013
Telephone: (888)-EXPERIAN(397-3742)

Trans Union Credit Reporting Agency
P.O. Box 390
Springfield, PA 19064
Telephone: (800) 888-4213

Most state Department of Social Services agencies send credit reporting agencies monthly lists of deadbeat parents who are more than $1,000 behind in their support payments after giving obligors notice and an opportunity to contest the overdue amount.

If you are having trouble finding your deadbeat parent, please consider using the resoucres of Net Detective.

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

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