If the information the division reported to the credit bureaus is accurate, the worker can NOT change the reporting. Parents who believe the division is reporting inaccurate information may contact their county child support worker to discuss their case. If the parent does not prevent credit bureau reporting within 21 days, the division will report the arrears and payment information to two major credit bureau agencies:ĭisputing arrears after the division reports to the credit bureaus Provide documentation such as cancelled checks, money orders, or receipts to dispute the arrears balance on the case listed in the notice.Provide proof of a pending legal or court action that addresses credit bureau reporting or the arrears balance for the case listed in the notice.Provide documentation that there is a case of mistaken identity.Report the receipt of cash-grant public assistance payments such as Minnesota Family Investment Program (MFIP) or General Assistance (GA).The division must continue reporting information to the credit bureaus for cases previously reported Enter into a written payment agreement with their county child support worker.How the division and county agencies report to credit bureaus Parents can monitor their case balance and payments using the Minnesota Child Support Online secure website. ![]() A change in the monthly obligation, either by court order or due to a cost-of-living increase without an adjustment in payment amounts can cause a parent to accrue arrears. A change in jobs can cause a lapse in payments. It is important for parents to pay their child support in full each month to avoid credit bureau reporting. The information can remain on a parent's report for up to seven years. Credit reporting agencies record this information on a parent's credit report. The division continues reporting information to credit bureaus until the parent pays the arrears in full or the case closes. The division's report to credit bureaus must include the amount of arrears, the age of the arrears as expressed as days past due, and information on payment history. A case with an arrears balance is considered past due, even if the parent is making payments. The division and county agencies refer each case individually for parents with more than one case. If they do not or cannot pay their support in full each month, the support they do not pay becomes arrears. ![]() Parents must pay their child support in full each month. ![]() According to CDIA standards, child support arrears are NOT the same as other debts, like a car loan or a home mortgage with a payment schedule. The division must follow Consumer Data Industry Association (CDIA) standards when reporting parents to the credit bureaus.
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