Hello everyone, I have tried to obtain a credit card by myself couldn't get one not even a dept store I had my mom co-sign for one and had it for 4 months before she canceled it always paid on time and will continue to do so until debt is paid. It shows months reviewed as on 2 though and I was told that it needs to be reviewed for 6 months is this true? Also my HC was $4000 now shows on my equifax credit report account closed by consumer hc $1200 does that have any effect if your close to your limit? I owe $1000 on it still thanks for your input
