MM, I am sorry to say your conclusion was wrong. Have you taken into account the possibility that your AU status is not being taken into consideration when calculating your FICO score because the creditors are not reporting to CRAs? If they start reporting, then your score will reflect your AU accounts.
It is possible that if you have a different address from that of the primary account holder, your creditor will not report AU. Some creditors do not report AUs at all. If you run a search on this board for this information, you can find multiple posts stating the same.
Your best bet is to contact the creditors and inquire or request reporting.
I also have a piece of friendly advice to you. While I can appreciate you wanting to learn at your age about credit and finances, I would advise that you remain respectful in your posts. Some members who may be able to offer you advice may be put off by your attitude. The moderators on this board are very knowledgeable and have had a great success in maintaining and/or improving their scores. So have a lot of the members.
I would like to get back to my question everyone. Please! I apologized. Thats it. Now back to the question. I have a very low tolerance to BS. ----BACK TO THE QUESTION.
...as do most of the posters here.
Well questions are is this enough credit for my page with an income of 67k and how much should I expect to have in about 2 years?
You currently have enough credit for someone of your age & income.How much you'll have 2 years from now will depend in large part on the overall economic climate. At the moment, banks are much more cautious about granting unsecured lines of credit than they were a few years ago. Perhaps that will change over the next 2 years. Then again, perhaps it will not.
I have a very low tolerance to[sic] BS.
So do we.