lisak72 Posted May 29, 2003 Report Share Posted May 29, 2003 My dad agreed to put me on his Menards card...has 10+ years of R1 credit!!! heeheee! That should really do a number on the scores, ya think?!I am so anxious to start rebuilding....but I know if I wait this out just a few more months, I won't have those really high interest rates, etc! At this point, I have $0 balances owed showing for everything...nothing at all open and 2-3 positives listed. My only real negs are the 6 SL entries and a repo....blahhhhh! Work...work...work! Wish I could just make a really big wind and make them disappear Link to comment Share on other sites More sharing options...
morrow Posted May 29, 2003 Report Share Posted May 29, 2003 did you make sure to tell your daddy thank you?Thats great lisa! Link to comment Share on other sites More sharing options...
utman17 Posted May 29, 2003 Report Share Posted May 29, 2003 I noticed mine AU is only reporting to Trans, and its about 3 months behind... Do I call them are the cardholder?? Link to comment Share on other sites More sharing options...
lisak72 Posted May 29, 2003 Author Report Share Posted May 29, 2003 Yep morrow! Told daddy biiiiiggggg thanks! He had actually offered to co-sign on something for me, but since finding this site, I asked for an AU instead for the history. He actually liked that better so he doesn't get messed up if something happens and I screw up a payment or something. (who me???? hahahah)Sorry utman...I'm new to this whole AU thing. Since you are listed as a user though, you should be able to contact the OC and just ask them when they report, etc. Don't know for sure though Link to comment Share on other sites More sharing options...
morrow Posted May 29, 2003 Report Share Posted May 29, 2003 I wouldnt DARE ask my parents to cosign for me! :eek: They would never do it! Link to comment Share on other sites More sharing options...
lisak72 Posted May 29, 2003 Author Report Share Posted May 29, 2003 my dad actually had volunteered to co-sign on a small CC or something to help me rebuild. He's super great like that! Now that's luv! Link to comment Share on other sites More sharing options...
sisflomi Posted May 29, 2003 Report Share Posted May 29, 2003 Morrow, did you pull a fresh report yet? Why wouldn't your parents help you out? My mom and brother both are going to let me be au on a card, I cant decide which ones will be best though. Link to comment Share on other sites More sharing options...
kb9tbq Posted May 29, 2003 Report Share Posted May 29, 2003 <blockquote>Originally posted by utman17I noticed mine AU is only reporting to Trans, and its about 3 months behind... Do I call them are the cardholder??Unfortunately is might be that the particular creditor only reports to TransUnion - Some creditors report their data every month where others report every few months. Definately contact the creditor to ask these questions on how often they report their data & if they can also report to Experian and Equifax.May also be a mistake overlooked that can be fixed.</blockquote> Link to comment Share on other sites More sharing options...
subsailor Posted May 29, 2003 Report Share Posted May 29, 2003 I would like to talk more about being an AU.Reason I ask is I'm trying to build my credit and my Parents I'm sure would allow me to be an AU on some of their stuff. If they put me as an AU on some credit card thay they have had for 10+ years (Also all they have is Good Credit) would that then show up on my report as 10+ years? Also should I do a couple of these? Link to comment Share on other sites More sharing options...
kb9tbq Posted May 29, 2003 Report Share Posted May 29, 2003 Sure - the creditor will transfer the history of the account onto your credit report. Just make sure the creditor reports to all 3 CRAs for the best benefit possible. Should be able to add a few accounts to boost the score. But sometime down the line once you have your own credit established you will want to let go of these; especially when you go to apply for major loans like mortgage - since they have a tendancy to include these accounts in the underwriting to figure up debt to income ratio. Link to comment Share on other sites More sharing options...
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