dazedandconfusedincali Posted July 14, 2007 Report Share Posted July 14, 2007 My daughter has had me on her HSBC credit card for 2 yrs as an AU (not reporting). It is solely my card and I wanted to try for Joint acct holder so they would start reporting on my CR's. Well, she just told me this morning that I got denied. I really don't know what to do now other than secured or crown jewelers. I just wanted to share that with everybody since a lot of people are trying for that status now that AU's aren't going to count on FICO anymore. I'm so bummed. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 14, 2007 Report Share Posted July 14, 2007 That sucks dazed - what are your scores? Link to comment Share on other sites More sharing options...
dazedandconfusedincali Posted July 14, 2007 Author Report Share Posted July 14, 2007 620 tu 573 eq563 exthese are FAKP's FICO's are similar, except EQ is 620 on my paid Equifax score. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 14, 2007 Report Share Posted July 14, 2007 damn - those aren't that bad really. Especially since it isn't 100% your responsibility (it's hers)... That's BS Link to comment Share on other sites More sharing options...
dazedandconfusedincali Posted July 14, 2007 Author Report Share Posted July 14, 2007 I just have a couple of old baddies 2 come off in 08 and 3 in 09. I guess I'll just have to wait another year before applying for anything. I got my car loan through my credit union at 12% in May. I just wanted one form of CC so I can have something to show then. Gosh am I boo-hooing or what? lol:oops: Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 14, 2007 Report Share Posted July 14, 2007 lolThought about a secured CC? Link to comment Share on other sites More sharing options...
dazedandconfusedincali Posted July 14, 2007 Author Report Share Posted July 14, 2007 Yes, my credit union wants $400 down so I gotta save that. But I finally gave in and got a Crown Jewelers acct. I bought my daughter a necklace and I'll just have to be patient. I make a good living so It'll be okay now that I'm taking my life into my own hands. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 15, 2007 Report Share Posted July 15, 2007 did you see a hard pull on your CR? Link to comment Share on other sites More sharing options...
dazedandconfusedincali Posted July 15, 2007 Author Report Share Posted July 15, 2007 Not yet, I'll let you know when it goes through. I never even thought about it. But it would be nice if they didn't. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 15, 2007 Report Share Posted July 15, 2007 If there is no hard pull I would try for myself. Those scores should get you something probably unsecured. Link to comment Share on other sites More sharing options...
chilton1 Posted July 15, 2007 Report Share Posted July 15, 2007 If there is no hard pull I would try for myself. Those scores should get you something probably unsecured.If you are asking about the Crown Jewelers card, they do not do a credit inquiry-- no hard pull.good luck. Link to comment Share on other sites More sharing options...
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