I've posted this question on a number of boards to no avail. I hope someone can help me out a little.
Equifax only is reporting a child support obligation under their heading of "other accounts". Open date is May 2005. I have paid support as part of my divorce agreement since 1997 never missed a payment. Under NJ law child support is not to be reported to any bureau unless you are 1000 dollars in arrears. NJ claims they never reported it to any bureau. It is not listed as a derog.
Equifax is picking up a substantial monthly payment amount in my Credit Watch Gold reports which makes it appear I have to pay $4400 each month. The entire Equifax entry is nuts. Date of last payment is May 2005. It says pays as agreed 0 credit limit 0 scheduled payment amount.
I disputed the tradeline as not mine last year it came back verified. I just disputed the $4400 monthly payment due as incorrect on June 1 it is still being investigated.
It is not listed as a judgment or a collection and it doesn't appearto be a derog on my file but this tradeline may hurt my chances of getting a mortgage in a few years. Equifax states this is on the report until May 2015.
While it is not supposed to appear on the report at all since I was never in arrears shouldn't this be deemed a judgment and only be listed for 7 years and drop off in 2012?
This does not appear on my Transunion or Experian reports at all. I am afraid to contact the morons at child support for fear of having it report in error to TU and EX.
Anyone have any ideas here?
