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Credit Application for first time applicant

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raisemysc0re
Established Contributor

Credit Application for first time applicant

My foster daughter just turned 18 and I want to add her as an AU on one of my cards.

She was born out of the country and her birth certificate only has her first name.

Her mother and father's names are on there as well but they have different last names.

She was issued a Social Security card and it displays her first name, her father's last name and then her mother's last name.

ex:

Her name Jennifer

Dad's name: John Smith

Mom's name: Jane Doe

Social Security Card: Jennifer Smith Doe

Does that make Smith her middle name and Doe her last name?

When she was placed with us everything was just her first name and father's last name. IE: Jennifer Smith

Should I just use what is on her Social Security card?

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 1 of 7
6 REPLIES 6
fltireguy
Valued Contributor

Re: Credit Application for first time applicant

I would use exactly what is on the SS card

Does she have a DL? If so, does it match SS?
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 2 of 7
raisemysc0re
Established Contributor

Re: Credit Application for first time applicant

 What is a DL?

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 3 of 7
Anonymous
Not applicable

Re: Credit Application for first time applicant

Drivers License
Message 4 of 7
raisemysc0re
Established Contributor

Re: Credit Application for first time applicant

No she does not yet have one.

I'm in the process of getting her birth certificate translated and notarized so that she can get a learner's permit.

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 5 of 7
raisemysc0re
Established Contributor

Re: Credit Application for first time applicant

I was able to add her on one of my cards but they never asked for her SSN, just hewr DOB.

Is this enough for them to start reporting?

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 6 of 7
Anonymous
Not applicable

Re: Credit Application for first time applicant

No. Especially if she doesnt have a driver license. There could be several jane does with the birthday on the same day. Therefore they will not report solely off of DOB..

Message 7 of 7
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