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I know it! Sometimes no credit or lack of credit (in your case cc history) is worse than bad credit. Just remember the AU is only a temporary fix, starting this Sept AU's will no longer have the same benefits in FICO scoring.
ktl55 wrote:I wrote a good willletter last night. Even if I get it deleted I'm still going to run into the same problem................short credit history. I'm hoping that my husband adding me as an au on kay (account opened in 1994) will make a differenct. It't crazy because I keep getting denied because of a short credit history but how am I supposed to get history is no one will give me credit. I can't get a cc but I bet I can get a mortgage or a car with my cr and score..................doesn't make sense.
I wonder if her husband could add her as a joint holder on the card intead of an au. They would have to contact her to get permission, but it would solve the problem of aus not counting starting Sept.
@fused111 wrote:I know it! Sometimes no credit or lack of credit (in your case cc history) is worse than bad credit. Just remember the AU is only a temporary fix, starting this Sept AU's will no longer have the same benefits in FICO scoring.
@ktl55 wrote:I wrote a good willletter last night. Even if I get it deleted I'm still going to run into the same problem................short credit history. I'm hoping that my husband adding me as an au on kay (account opened in 1994) will make a differenct. It't crazy because I keep getting denied because of a short credit history but how am I supposed to get history is no one will give me credit. I can't get a cc but I bet I can get a mortgage or a car with my cr and score..................doesn't make sense.