Quick Answer: Child support collections on credit reports can be deleted if they’re over seven years old from the date of delinquency, which appears to be the case for David’s 2001-2007 accounts. Both TransUnion and Equifax entries should be disputable through each bureau’s standard dispute process since they exceed the seven-year plus 180-day reporting limit.
“Dear Steve,
I have a child support collection on my trans Union report dating back to 2001 (date opened) and showing date closed as Nov 2007. As it’s more than 7 years old can’t that be deleted? Also, the state recently added the same collection to my Equifax with the same dates. Can’t that be deleted as well?
David”
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Dear David,
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If these accounts are listed in that part of your credit report that lists accounts you’ve had, then they should be deleted. It is relatively easy to dispute incorrect information on each of your credit reports. Just follow the dispute process that each of the bureaus has or click here for more information.
The items can be reported for seven years plus 180 days from the date they last went delinquent.
If you invest a bit of elbow grease in dealing with these from the different credit bureaus, it will pay off.
Please post your responses and follow-up messages to me on this in the comments section below.
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