Law Office of Ellen Dixius

Not paying child support may harm your credit score

Texas has a reputation in the U.S. for being one of the toughest states when it comes to child support. One of the problems parents who owe child support may encounter here and in other states is seeing nonpayment of child support show up on their credit report. When this happens, it may also cause a dip in their credit score.

NerdWallet acknowledges that non-custodial parents often feel resentment about paying child support. If the relationship ended badly, that parent may feel as though the money paid goes toward the spouse instead of the child. However, children are expensive to raise and need financial support from both parents whenever possible.

Whether people miss payments deliberately, by accident or due to unfavorable circumstances, it may affect their credit. Delinquent payments may end up on their report. Most state agencies report noncustodial parents when the amount due totals $1,000 or more.

In some states, child support agencies may reach out to parents and give them the opportunity to resolve the debt before taking action. If the custodial parent also pursues legal action, a person could end up with a court judgment, lien on their assets or both.

The next big question many parents have is how to get it removed from their credit report. Experian explains that the creditor typically updates the information after the parent pays in full. However, this change may not be immediate. In fact, it may take a month or two to show up. If the delinquent payment continues to show as due, a parent may dispute this with Experian and the other major credit bureaus.

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