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Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,178
Registered: ‎10-02-2012

Added as an AU on moms credit cards.

Alrigth so since I have nothing to get a credit card under my name my mom added me to her sears platinum mastercard they actually require you to insert the name plus ssn# so it should report to my credit report. She also added me to her Wells Fargo credit card which only asks for name middle inital and last name and this time she added my middle initial. My middle initial is "G" and my dads is "P" so it shouldnt report to his report right since the name isn't the same right? 


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Added as an AU on moms credit cards.

It's not supposed to obviously, but I wouldn't put it past them, especially if you have the same address. Just keep your eye on it

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,178
Registered: ‎10-02-2012

Re: Added as an AU on moms credit cards.

@Jutz yup your right I will be cheking my dads report to see if any accts were added. If it does report to his I'l just try to get a job while in school and get into a joint acct. :smileysad:


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Mega Contributor
Creditaddict
Posts: 18,566
Registered: ‎10-23-2007

Re: Added as an AU on moms credit cards.


BearsAndTurtlesRtheBest wrote:

@Jutz yup your right I will be cheking my dads report to see if any accts were added. If it does report to his I'l just try to get a job while in school and get into a joint acct. :smileysad:


Probably end up on your report and your dads!

No big deal to you... just wait 6 months for you to get a Fico Report and Score then you can get some of your own credit cards once you have some income.

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,178
Registered: ‎10-02-2012

Re: Added as an AU on moms credit cards.

Yea I'll just wait until 6 months to pull up my credit report and actually see what cards are reporting.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Frequent Contributor
pdog661
Posts: 376
Registered: ‎03-31-2012

Re: Added as an AU on moms credit cards.

[ Edited ]

+1000000 to you.

 

What great wisdom at such a young age to being looking at credit, and how to improve yours.

 

This will save you hundreds of thousands  of dollars over your life time.  I did the same and received my first card when I was 18.

 

Look into a secure card, and see if you can get approved.

 

A few words of wisdom (learn from my mistake!):

 

Do not apply for to many cards all at once as you build your credit.  Once you get a year of credit I would apply for 2 start cards.  Hold them for a year and then apply for a premium card or two.  Get the premium in your 20s and you are well onto your way to a great credit file. 

 

Do not, and I stress do not, max them out! haha. 

 

By the time I left college I had 21K of credit card debt.  I would do such awful things, ie take all my friends to dinner, collect the cash, and swipe away!  I graduated when I was 22 from college, and made my last credit card payment at 31 for my fun in school.

 

I stress again, please learn from my mistake.  New credit is very hard to manage in your youth.  Responsibility will yield great credit, but over using will destroy your credit before you start.

 

Good luck to you. 

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,178
Registered: ‎10-02-2012

Re: Added as an AU on moms credit cards.

[ Edited ]

@pdog661 thanks! and yes I will try my bestEST to always keep low balances. Thanks for the advice, and luck! Appreciate it  a lot! :smileyhappy:


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
creditnocash
Posts: 2,173
Registered: ‎07-23-2012

Re: Added as an AU on moms credit cards.


BearsAndTurtlesRtheBest wrote:

@pdog661 thanks! and yes I will try my bestEST to always keep low balances. Thanks for the advice, and luck! Appreciate it  a lot! :smileyhappy:


im in the same boat. 

21 atm and going back to school for another 2 years 

0 debt but work full time etc... 

 

got my frst card when i was 19 joint with my mom... (no au cards)

and now i have a chase freedom and an amex zync 

stats are in my sig. 

no credit is better then bad credit as they say. 

never EVER pay late and dont go app crazy and you will be good. 

 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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