I have a quick questions that someone maybe able to answer...
I opened a credit card up with my credit union in 3/2002 and I had to have my dad co-sign for me to get the card. It was a limit of $1000 or so, nothing crazy... just wanted to get my credit established. My dad had no problem with it either. As I got older, I got another card on my own with a $2000 limit (7/03). I didn't think about my dad still being on my credit card until a while later. I decided that I had shown that I was financially responsible and wanted my financial independence from my parents. I called to the credit union to see about getting my dad removed as a co-signer they told me I must apply for another card. I didn't know anything about credit at the time and did it in 12/2005.
I have pulled all three reports and they say "account closed at consumer's request" and post the high balance. On a seperate tradeline, my "new" card that says active and "pays as agreed."
Who do I need to contact to merge the age of the accounts, the credit union or EQ,EX and TU? I know it sounds petty to worry about almost 4years of history, but at my age (25) it makes a huge difference in average age of the accounts. They are obviously they same accounts, because they are both revolving and closed/opened in consecutive months, but that hurt my average age of accounts.
It this something I need to contact my credit union about or the credit bureaus? Any help/advice would be appreciated.
