@Jstic wrote:
My son is 20, he is an AU on one of my accounts, and one of my wife's. Both accounts are 10+ years old and have never been late or over the limit. Other than that he has no credit history. According to TU, his credit score is 807. Equifax claims they don't have enough data to calculate a score for him.
Yeah, I've seen that as a reason why a young person has an 800 score before. Unfortunately, the only person I did know, my grandmother, who had excellent credit and account history filed for bankruptcy just as I turned 18. I was always hoping to be an AU on one of her accounts because she had superb credit a couple of years before the bankruptcy. My mom is trying to work up her credit and does not have any credit cards. So, I guess it's just up to me.
