About Kathleen Eads Expertise Having spent almost a decade with a Commercial Collection agency, Kathleen
can answer questions related to collections~calls, motivating debtors to pay,
skip-tracing. She now works for National Skip Trace Network (NSTN), providing
premier technological Directory Assistance to the collections (www.nstn.net)
industry via the internet.
Experience
Past/Present clients Travelers Insurance, Nationwide Insurance, CNA Insurance, USF & G, Liberty Mutual, ACS, Asst Acceptance, Pinnacle, Penncro, Superior Asset Mgmt, PRM, Collins Financial, CBE Group
Question Hi! My fiance owes $22,000 in child support arrearage. He is getting the current c/s dropped but the arrears still show on his report as past due (and open) since 7/1999. Will this ever be removed? Does it need to be paid in full before being removed? How does this affect his score? Thanks so much.
Answer Normally, credit bureau entries fall off after 7 years. If the child support reporting was the result of a judgment, it could stay for 10 years (judgments extend the statutes and how the item is reported).
It could be shown as a "PAID JUDGMENT" once paid, and still stay on his report.
I'm not sure of the effect on the score, as I'm not sure how it was reported. You could check with any of the bureaus for further explanation or help (www.transunion.com, www.experian.com, www.equifax.com).
