Child Support office has been reporting late payments IN ERROR on my credit history for years - TLDR: child support office is erroneously ruining my credit without my knowledge. How can I repair my credit? I've been applying for mortgages recently and was told, to my surprise, my county's child support office has been reporting almost half my payments as late, in error, for more than 5 years. The entire time I've had this support order I've been employed full time and the payments have been taken out of my checks automatically. Even more surprisingly, there are payments being reported as 'over 90 days late' from April of 2023... less than 90 days ago. I called my caseworker, who was unsurprised and stated they deal with this almost every day. She stated it is due to my being paid biweekly instead of twice per month. Being paid biweekly creates "a mismatch within their system" which causes a late payment to be triggered since the payment is due before I get paid. Which make sense, being paid biweekly means my first check of the month can be as late as the 13th of the month, and I am almost never paid on the 1st or 15th. Anyone who has child support in this county and is paid biweekly has this happening to them without their knowledge. My case worker said she can ask her supervisor to issue a "credit suppression". When I asked her to explain what that is, she said on the 22nd of every month they issue a report out to the credit agencies and a credit suppression would stop that report. It seems a suppression would prevent the problem from getting worse... but wouldn't fix the real problem which is the strike against my credit report and continual reports of late payments. How do I fix this? Should I move forward with the suppression? My credit score is still about 750, but that doesn't matter because when lenders look at me in-depth, this strike comes up as a huge risk factor. Should I contact a lawyer about this? ​ ​ ​ ​ ​ ​ ​ ​ Personal Finance

Child Support office has been reporting late payments IN ERROR on my credit history for years - TLDR: child support office is erroneously ruining my credit without my knowledge. How can I repair my credit?

I've been applying for mortgages recently and was told, to my surprise, my county's child support office has been reporting almost half my payments as late, in error, for more than 5 years.

The entire time I've had this support order I've been employed full time and the payments have been taken out of my checks automatically.

Even more surprisingly, there are payments being reported as 'over 90 days late' from April of 2023... less than 90 days ago.

I called my caseworker, who was unsurprised and stated they deal with this almost every day. She stated it is due to my being paid biweekly instead of twice per month. Being paid biweekly creates "a mismatch within their system" which causes a late payment to be triggered since the payment is due before I get paid. Which make sense, being paid biweekly means my first check of the month can be as late as the 13th of the month, and I am almost never paid on the 1st or 15th.

Anyone who has child support in this county and is paid biweekly has this happening to them without their knowledge.

My case worker said she can ask her supervisor to issue a "credit suppression". When I asked her to explain what that is, she said on the 22nd of every month they issue a report out to the credit agencies and a credit suppression would stop that report. It seems a suppression would prevent the problem from getting worse... but wouldn't fix the real problem which is the strike against my credit report and continual reports of late payments.

How do I fix this? Should I move forward with the suppression? My credit score is still about 750, but that doesn't matter because when lenders look at me in-depth, this strike comes up as a huge risk factor. Should I contact a lawyer about this?

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Shortnsalty 33d

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Goldrush_Greg 64d

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