hereditary discrimination(?)

[elixerin]

recently looked at my dads CR.. found out that he burned AMEX for about 163k on his plat couple years back... *facepalm, since we have the same last name does this mean anything for me? lol, i feel like amex will be keeping 3 eyes on me throughout my current history with them now.. or maybe they don't care or know?

what do you guys think  

[Nomad3]

Not unless you have some kind of linked or joint account with them. Otherwise the name means nothing, they just look at the SSN they have for you

[coreysw12]

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@elixerin wrote:

he burned AMEX for about 163k on his plat couple years back...

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Holy cow. 1/6th of a million dollars. Most people don't even make that much money in 4 years. Yikes. Guessing he had a business go under or something.

Anyways, no lenders (to my knowledge) look at anything other than your personal credit profile. They will only look at someone else's if it's a joint account or you have a co-signer.

So it should go without saying, you should probably not add your dad to the account

[Anonymous]

AMEX keeps 3 eyes on everybody, anyway. They SP you repeatedly. But no there should be nothing from your dad‘s HISTORY affecting yours. Unless as they said, joint account, authorized user or something of that nature. (Edited.)

[dragontears]

The one exception would be if you and your dad had exactly the same names you could be mistaken for him (not just on a creditcard account). There are tons of stories about "jr" having their parents info on their reports and the struggles they go through to get it corrected

[pinkandgrey]

Ouch. 163k stings a little. 

But don't worry--his history with Amex won't impact yours at all. Amex is aware that you're two different people. 

"...three eyes..." lol 

[wasCB14]

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@dragontears wrote:
The one exception would be if you and your dad had exactly the same names you could be mistaken for him (not just on a creditcard account). There are tons of stories about "jr" having their parents info on their reports and the struggles they go through to get it corrected

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This.

"Juniors" have reported problems, especially those with a current or recent address matching an address the father once used as a customer.