Tangled Web asked:
Many years ago when my husband divorced his ex-wife, he was self-empoyed and missed several payments. Four years ago, he filed necessary documentation to have the arrears included with his monthly payments, increasing his payments monthly to include an additional $100. After four years, the Texas Attorney General’s office is showing it outstanding and consistently late. We are trying to purchase our first home but are having trouble getting the financing as his FICO score is reflecting this issue. What can we do to get around this issue and get approved? We have documentation that shows he is current on child support and current on the agreement to pay arrears.
Many years ago when my husband divorced his ex-wife, he was self-empoyed and missed several payments. Four years ago, he filed necessary documentation to have the arrears included with his monthly payments, increasing his payments monthly to include an additional $100. After four years, the Texas Attorney General’s office is showing it outstanding and consistently late. We are trying to purchase our first home but are having trouble getting the financing as his FICO score is reflecting this issue. What can we do to get around this issue and get approved? We have documentation that shows he is current on child support and current on the agreement to pay arrears.
The only thing you can do is either one, contact the cs office, show them your proof that he is not behind ask them to fix it on his credit report to be correct. Or 2 the other option is to contact the credit reporting agency, equifax, transunion, or whichever one it is on and dispute that item. There are ways ot do it online through each agencies website, you will have to do it with each one that it appears on. Then the credit reporting agency will contact the child support office to verify it’s correctness, if the cs office says oops, here’s the real info. they will fix it. But if the cs office says oh no that’s right, then they won’t fix it you will have to deal with the cs office directly on getting it fixed. Either way it is going to take about a month to fix and update the credit reports records.