Hi All - I have a few credit and charge cards under my own name which I pay off in full every month. I have no debt at all except a small car lease of about $13K. My credit score is 785. I also am an Authorized User on my mom's credit card.
I am about to apply for a mortgage and I noticed a few things that I am worried will hurt me...
1. My mom has a Chase credit card which she made me an Authorized User on a few years ago. She pays it off in full every month, but for some reason it says "Account in Dispute". She says it's because she disputed a purchase last month. Will this hurt me? I looked online and a bunch of people said this caused issues for them. Otherwise, it says the card is paid up to date and has always been paid on time and in full.
2. I have 2 AMEX cards on my report which I was an Authorized user on, but have not used in years. They still show up on my report even though I no longer have a card. Again - my mom paid these in full every month - never late, etc - but will these hurt me? Also, these are showing as open before I was even born.
3. Lastly, I have a card that says "CLOSED" - even though it's not closed and still being used. It shows being paid on time as if it were open but still says closed.
Should I worry about any of this stuff? I am speaking to a mortgage lender this week.
Thanks!!!
