How badly will my back child support effect my credit score, (once I get one) What about other public records?

Question

I am 30 and have no credit score. I accrued a huge amount of back child support about ten years ago and circumstances led me unable to work and pay support. Of course, that large amount has hindered everything I do ever since. I am really trying to get my life going in a positive direction. The slightest emergency has me in a lose lose situation every time. Because of this I decided it is time I get a newer reliable car, but am reminded that I have no credit. I have never had a credit card. All that is on the report is my back child support judgements and a judgement to my apartment complex. That judgement was paid in full. The child support is about $16,000.
I recently applied for a secured credit score to atleast help build some credit, but wonder how badly the support judgement will hold me back. I pay regularly on the back pay, but it doesn't seem to show that on my report. It is listed as collections or something.

Any insight?

lol, I couldn't afford a new car if I sold my soul. I know that I need a reliable car, and think I can find something better than I have now but would never be able to pay out right for it. A loan would need to come into play...which is why I need to get a credit score....in addition, I just realize that I have to start somewhere in effort to fix my situation. I don't want to be in debt for my whole life, I am responsible with my money, I just don't have much with these child support payments. They take the max from me, and I have no help from anyone.

Answer 1

Being 30 with no credit was one of the worst descisions of your life. You are 12 years behind everyone else, good luck trying to buy a house or car!!

You DO have a credit score, but it is probably in the low 500s because of your judgements. Get that secured card and work on building your credit that way, and maybe go to your bank and get a cc through them. Also, get your credit report so you can see exactly what is on it.

If you can swing it at all, I would HIGHLY recommend against financing your car, because you will be KILLED in interest rates. if you can get a early 2000 corolla or civic (they will run you between 6-12k), I would suggest buying it cash and building your credit in a way that wont cost you so much.

your back support will show as in collections until you are no longer in arrears.

Answer 2

Well, don't buy a NEW car if you are broke and in debt.

It depreciates way too much. Buy a good quality USED car for CASH. Let the previous owner pay those first two highly expensive years of depreciation.

Answer 3

YOU MUST SHOW THE LENDER THAT IT IS AN ARREARAGE ON OR FOR SUPPORT THAT WAS DUE.

THIS MAKES IT A GARNISHMENT--NOT A SUPPORT--IT IS ARREARAGES-

DHRS REPORT IT AS AN ARREARAGE OF SUPPORT-THIS WAY THEY CAN KEEP IT ON YOUR CREDIT REPORT.
THIS IS ILLEGAL THOUGH UNDER THE FAIR CREDIT AND CONSUMER REPORTING ACT 15 USC 1681 S-1--IF YOU ARE NOT CURRENTLY PAYING ON A CHILD SUPPORT ORDER THEY CAN REPORT YOU AND WITHHOLD WAGES--
IF YOU ARE PAYING THEY ARE NOT ALLOWED TO REPORT IT--

THE LAW READS" THE CONSUMER REPORTING AGENCY IN ACCORDANCE WITH THIS SECTION 1681 B OF THIS TITLE, ( ANY INFORMATION ON THE FAILURE OF THE CONSUMER TO PAY OVERDUE SUPPORT")

WRITE FOR A CREDIT REPORT AND CHECK OUT YOUR REPORT--IF THIS IS ALL YOU HAVE ON THE REPORT FILE THIS WITH THE REPORTING AGENCY-EXPERIAN USUALLY BIGGEST AND THEY HAVE TO MAKE A DECISION AND CHANGE IT, LEAVE IT OR REMOVE IT FROM THE CREDIT REPORT--IF THEY LEAVE IT YOU CAN FILE IN FEDERAL COURT FOR DAMAGES OF NOT FOLLOWING THEIR OWN CODES AND REGULATIONS.