Credit Reports Available Online
2010
I can’t get a credit card because of my mom?
So last year my mom got me a credit card under her account with my name for “emergencies” when I went away for college. Well, I was never able to use the card because she kept saying there was no available balance. Now, I’m trying to apply for my own credit card and I keep getting denied because it keeps saying that my debt to income ratio is too high. I don’t have a job right now, but I do have money left over from my financial aid, which is how I will pay off the card (I only want to use it to buy my books online anyway). I know that since I’m 18, the card my mom gave me shows up on my credit report, which is probably why I keep getting denied. If my mom was to get my name off her account, will that take care of everything or will it stay on my credit report and still be a problem applying for credit cards?
You are being declined because you do not have a job AND the debt to income ratio from your moms card is too high. Have her remove you as an authorized user, get a part time job and apply for a student credit card. (Capital One is the easiest to get approved.)
Since you have been declined for a card, I would also request a copy of your credit report to see what lenders are seeing – to make sure the information is accurate. Then sign up for a credit monitoring service so you can watch your credit score grow and see how your spending effects it.
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