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Credit bureau reporting

The Child Support Division reports to credit bureaus when a parent owes past due child support, also called arrears. Banks and other creditors can limit or deny credit to parents based on information the division reports.

The division reports a parent to credit bureaus if both the following are true. The parent:

  • Is ordered to pay support by either a court or child support magistrate
  • Owes past due child support, or arrears, of at least three times the monthly support obligation or, for arrears-only cases, the amount of arrears is at least one dollar.

Thirty (30) days before reporting the arrears to credit bureaus, the division sends the parent a Notice of Intent to Report Arrears. The division will continue to report information to credit bureaus until the parent pays the arrears in full.

Disputing arrears reported to the credit bureaus

The parent has 21 days from the date of the notice to contest the start of credit bureau reporting. To contest the reporting, the parent must request an administrative review from the county child support agency listed on the notice. The parent's request must be made in writing and include the reason for the review.

If the parent does not contest credit bureau reporting within 21 days, the division will report the arrears to two major credit bureau agencies:

  • Equifax
  • TransUnion

If the parent believes the credit bureaus are reporting inaccurate information, he or she may contact each credit bureau to dispute the inaccurate information.

Parents can dispute the information on their credit report online or in writing directly to:

Equifax Information Services, LLC
P.O. Box 740256 
Atlanta, GA 30374-0256
www.equifax.com/cs/Satellite?pagename=contact_us

TransUnion LLC Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
www.transunion.com/credit-disputes/dispute-your-credit

Credit bureaus notify the division when a parent files a dispute. The division responds to the credit bureaus electronically.

If the parent believes the division reported information inaccurately, the parent may submit a Credit Reporting Direct Dispute Claim Form to the division.

Exclusions

The division cannot report the parent to credit bureaus if either of the following is true:

  • The case does not meet the criteria
  • A court order prohibits credit bureau reporting.

Authority

State laws are on the Minnesota Office of Revisor of Statutes website. Federal regulations are on the Electronic Code of Federal Regulations site.

  • 42 United States Code, section 666 (a)(7)
  • 15 United States Code, section 1681s-1
  • 15 United States Code, section 1681 et. seq.
  • Minnesota Statutes, section 518A.685
  • Minnesota Statutes, section 13.05, subdivision 4(b)
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