thetigersnameistony asked:


I am trying to understand my credit situation better so I can fix it. I get a lot of conflicting responses and am not sure what to do.
I have a huge child support debt from about 9 years ago (I am 30) when I was in a situation in which I was unable to work. It is about $16,000. I have been paying on it for years and finally got the interest dropped last month so that my payments actually affect the balance.

I have a judgement to my apartment complex for about $3,000 (which was paid in full.) This was from last year.

I have never had a credit card and have no loans or anything. My credit report lists my 3 child support cases as my 3 accounts.

When I paid for my score it said I was unable to be scored, though in an answer to another question I asked someone said I do have a credit score but its probably low.

Will the public records affect my score and how so. Since I paid the judgement to my apartment complex in full, should that be refected somewhere on my report?

falon asked:


I already know that the credit companies no longer report about it after 10 years but I wanted to know about the public records made by the court of law.

After 10 years, can credit card companies (or who else, do you know?) access the public records and not the credit report.

Also I heard that things like social security numbers attached to bankruptcy cases are made public in the public record is this true?

NO FUNNY COMMENTS ABOUT FINANCIAL MISHANDLING – I have had a string of bad luck (illness, taking care of family) and been therefore unable to handle it all.

Any helpful responses are appreciated.