Thanks for replying,
actually, there were to credit cards in my name, both of which I did not use, my parents claimed that they were helping me build credit. But from what I know my parents managed the cards well.
The only thing I can think of is that one credit card was a joint card with my dad, and he went bankrupt after divorce, I am not sure if that could have affected me?
But have generally been good with bill paying and have always tried to avoid late payments.
A matter of fact I am now 28yrs old and just got my first credit card, on my own terms, sime years ago closed off one of the credit cards that my parents got.
thanks