kitchen
Gold
Posts: 928 Likes: 4,667
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Post by kitchen on Apr 20, 2018 18:08:14 GMT -6
The fact that I had been an authorized user on my parents credit card since I was 16 was why my H wasn't on our first mortgage. My score was WAY higher than his when we were in our early 20s and this was the only difference in our histories. Definitely plan on doing that for my kids when they're older. We removed him because it’s *always* caused issues. The card was initially opened before he was born so it’s always a fraud alert when we try to do anything credit related. We never remember to bring proof that it’s really him when we go do things. So frustrating. It popped up on the mortgage application, which is why we ultimate said to just remove him- we didn’t know what the bank or card was and thought it was fraud. It wasn’t until we pulled H’s 3rd report that we put two and two together based off a security question 🤦🏼♀️ he hadnt used the card in so long that we forgot about it Yeah, that would be a total PITA. Mine was just a random visa that sat in my parents house unused linked to their primary account, so it never was a problem.
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