CA (reside in GA):
December 2009, I lost my job in California. I applied for 2,200 jobs in my area (14% unemployment) and received my one and only job offer in another state after 22 months: October 2011. By October 2011, I was four months behind paying my Child Support. Consider if you will, my job loss attributed to 50% loss in household income and with two small children (excluding supported child), four months behind is not a bad achievement. Also, my wife and I declared bankruptcy (08/2011) and our home was foreclosed.
Anyway, from 04/2010-01/2012 (20 Months), California did not report to any credit bureau even though I had been more than 90 days behind throughout. By 01/01/2012, I had paid up, and was less than one month behind (63%). This means, in other words, that in the first three months back to work, I paid 6.3 months applied to current and arrears.
The statement, 01/01/2012, shows that Payment had been applied toward Current Support Due. However, that same month, CA reported to the credit bureau that I was 30 days late. The remaining balance was the arrears and not the current or December payment; according to the statement. In 02/2012, they posted a 60 day and 05/2012 another 30 days late.
I’ve been paid up to date since 03/2012 (since paying off the arrears).
October 2013, we found a new program through HUD called FHA Back to Work Program. This program states, eligibility through extenuating circumstance (20% loss of income and 6 months or more of joblessness) and having a successful credit history for the last 12 months.
So, I’m certainly eligible having 22 months of unemployment and a 50% loss of income and since 10/2011, I have a ‘stellar’ credit report; stellar all except the reported late from CA Support.
The problem is, even though HUD ‘trusts’ me, I cannot get a loan because of the late report for Child Support ‘after’ a bankruptcy. I feel like I’m serving an unnecessary sentence for circumstance.
So here I am, working hard, paying for my obligation and trying to support the family I live with after surviving a huge financial hardship (22 months unemployment, bankruptcy, and foreclosure). Now, because CA did not report the arrears until 01/01/2012, I’m being told that a lender will not give me money to purchase a home; likely for another five years when the late reports drop off my credit.
Again, I never owed more than four months and when I started working again, I paid up quickly and on time successfully. Additionally, prior to my job loss, I had never been late – 7.4 years of on time and complete payments. I have no criminal or civil records; I just want to move on and provide for my family.
Other than calling CA and discussing this with them (I have a scheduled appointment already), does anyone have any experience with this? Can the state actually show compassion and remove the late reports? Yes, they have the capability, but are they capable of having the willingness?
Any advise?
December 2009, I lost my job in California. I applied for 2,200 jobs in my area (14% unemployment) and received my one and only job offer in another state after 22 months: October 2011. By October 2011, I was four months behind paying my Child Support. Consider if you will, my job loss attributed to 50% loss in household income and with two small children (excluding supported child), four months behind is not a bad achievement. Also, my wife and I declared bankruptcy (08/2011) and our home was foreclosed.
Anyway, from 04/2010-01/2012 (20 Months), California did not report to any credit bureau even though I had been more than 90 days behind throughout. By 01/01/2012, I had paid up, and was less than one month behind (63%). This means, in other words, that in the first three months back to work, I paid 6.3 months applied to current and arrears.
The statement, 01/01/2012, shows that Payment had been applied toward Current Support Due. However, that same month, CA reported to the credit bureau that I was 30 days late. The remaining balance was the arrears and not the current or December payment; according to the statement. In 02/2012, they posted a 60 day and 05/2012 another 30 days late.
I’ve been paid up to date since 03/2012 (since paying off the arrears).
October 2013, we found a new program through HUD called FHA Back to Work Program. This program states, eligibility through extenuating circumstance (20% loss of income and 6 months or more of joblessness) and having a successful credit history for the last 12 months.
So, I’m certainly eligible having 22 months of unemployment and a 50% loss of income and since 10/2011, I have a ‘stellar’ credit report; stellar all except the reported late from CA Support.
The problem is, even though HUD ‘trusts’ me, I cannot get a loan because of the late report for Child Support ‘after’ a bankruptcy. I feel like I’m serving an unnecessary sentence for circumstance.
So here I am, working hard, paying for my obligation and trying to support the family I live with after surviving a huge financial hardship (22 months unemployment, bankruptcy, and foreclosure). Now, because CA did not report the arrears until 01/01/2012, I’m being told that a lender will not give me money to purchase a home; likely for another five years when the late reports drop off my credit.
Again, I never owed more than four months and when I started working again, I paid up quickly and on time successfully. Additionally, prior to my job loss, I had never been late – 7.4 years of on time and complete payments. I have no criminal or civil records; I just want to move on and provide for my family.
Other than calling CA and discussing this with them (I have a scheduled appointment already), does anyone have any experience with this? Can the state actually show compassion and remove the late reports? Yes, they have the capability, but are they capable of having the willingness?
Any advise?
