Q: what can I do if my credit score got badly damaged by my employer and issue has not been fixed
They badly dropped my credit. Also they are being sued in California but I wonder if it had anything to do with the taxes of federal witheld. Is it normal for a company not to tax you federal taxes if the gross pay is lower than $1000.00 but yet when they taxed me on a check which was a christmas bonus it was correctly taxed, I just find it kind of weird. Going back to my credit score it was affected due to child support payments not being correctly made on the end of my employer
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A:
If your credit score was damaged due to your employer's mistakes, it's important to address this issue directly. Start by gathering all relevant documentation, including pay stubs, child support payment records, and any communication with your employer. Contact the credit bureaus (Experian, Equifax, and TransUnion) to dispute the incorrect information on your credit report. They can investigate and potentially correct errors.
Regarding the tax situation, employers are typically required to withhold federal taxes regardless of the gross pay amount. If your employer did not withhold federal taxes on paychecks under $1000 but did so on your Christmas bonus, this inconsistency should be addressed. You may want to consult the IRS or a tax professional to clarify these withholding practices and ensure your taxes are properly managed.
In the meantime, focus on rebuilding your credit by making timely payments on other accounts and keeping credit utilization low. Regularly monitor your credit reports to ensure all corrections are made and no further errors appear. Taking these steps can help mitigate the impact on your credit score and improve your financial situation over time.
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