My BF has a child support judgement on his credit report. It's compleltly paid up in full and his has paperwork proving it. This is the only debt he has on his report. Even though it's paid up he can't seem to be able to get any form of credit to rebuild or should I say start building his credit. He never had any prior accounts anywhere. How can he get this off and also how long does it take to come off?
2007-01-17 04:26:41 · 12 answers · asked by SALLY 2 in Business & Finance ➔ Credit
For those who aren't reading correctly. It's PAID IN FULL. Does anyone know how to remove it and how long it stays on a credit report.
Since it is a judgement it's not as easy as a regular credit card debt.
2007-01-17 04:42:14 · update #1
Since the only item appearing on his credit history is derogatory, and it is child support. That is about as bad as it gets. It would not have ended up on his credit unless he fell behind, judgements do not just appear out of nowhere. I suggest he start by applying for a secured Visa or Mastercard. That way he will start a credit history.
The child support judgement will stay on his credit until is paid in full
2007-01-17 04:32:49 · answer #1 · answered by Anonymous · 0⤊ 0⤋
OK, time for me to clean up the bad answers again...why can't people do any research?
If this debt is being listed as not being paid off, you need to get that part changed. By law, the judgment holder has 30 days to report to the court that the judgment has been satisfied. Check your local court rules for details. Here in Michigan, if it's not done, you can sue for $1000 plus damages. And the judgment holder can be held liable to additional court penalties also. Makes no difference if it's a govenrment agency or not!
Judgments stay on your credit report for 7 years, starting from the date it was issued. I don't know what planet Duane lives on, and of course he doesn't give any sources. Trust me, he's wrong.
You can try the advice some have given about disputing it. Send a letter telling them this is not your judgment and make them re-investigate it. Sometimes you get a lazy or incompetent clerk at the credit bureau and it will actually be deleted.
But normally, if everyone does their jobs, you can not get this deleted. All you can do is lower the impact by making sure it's listed as a "paid" judgment.
2007-01-17 07:27:33 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You do need to contact all three credit reports with the information that he paid off the judgement.
That by itself won't give him credit but will remove the obstacle. You say he has never HAD credit so now he has to start!
First off, if he is in college, there are many folks who will give him a credit card without issue.
Second, if he is not in college, he can either get a store credit card which has lower standards often, or he can get a secured credit card where he has to provide a bank account with a balance in it.
Another option is for him to buy a used car with a car loan, or even get a loan for a small amount on the car he has. Might be a high interest rate but will start a credit history.
And his parents or someone else can cosign on a credit card or loan, and that will help.
2007-01-17 04:37:13 · answer #3 · answered by tony911m 2 · 0⤊ 0⤋
He simply needs to challenge the report, that is, write to the various credit reporting agencys and claim this line item is invalid. They MUST respond within 30 days, and they must verify the validity of the item OR they are required to remove it. Many people get things removed simply by challenging them, if the creditor does not respond with documentation to prove it's still valid they remove it. It takes a few months and some effort but well worth it.
2007-01-17 04:32:58 · answer #4 · answered by Tim H 3 · 0⤊ 0⤋
I have a statement on my credit reports saying something like its an ongoing event, and its being payed. It will be on there as long as the child support order stands. I don't think its a positive, or a negative, just a statement that its a payment going on.
2007-01-17 04:36:21 · answer #5 · answered by sm177y 5 · 0⤊ 0⤋
Send the credit reporting agency proof that the child support is paid.
2007-01-17 04:30:19 · answer #6 · answered by Naomi 4 · 0⤊ 0⤋
He needs to contact the county that the child support was paid to and have them take it off. My husband had the same thing for a parking ticket. When we purchased our house they were not going to approve the loan because it showed as not paid. He had to bring his paperwork in to the county where the ticket was issued and have them correct their records. That then reflected on our credit report.
Good Luck!
2007-01-17 04:33:17 · answer #7 · answered by lcritter55118 4 · 0⤊ 0⤋
He would have to request all three of his credit reports (Experian, Equifax, Transunion) and dispute the account with them that it the judgment has been satisfied. They might remove it right away however it can stay on there 7 years from the date it was satisfied.
2007-01-17 04:54:11 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Who is he making payment through?...The Friend of the Court?...they need to contact the credit bureau in your area to clear this for him...Also, send the paperwork directly yourself...Has he spoken with someone from the credit agency directly?...The should be able to tell directly how to go about getting this cleared...Good Luck.
2007-01-17 04:32:36 · answer #9 · answered by ticklemeblue 5 · 0⤊ 0⤋
Unless the child he is paying for is 18 it will be there until the child is. plus 7yrs after. Most credit agencies won't use that against someone though if applying for credit.
2007-01-17 04:33:18 · answer #10 · answered by STK FLKR 2 · 0⤊ 0⤋