I just got a copy of my credit report through Experian. I was surprised to see under "Potentially Negative Terms," a credit card that I was an authorized user of. That credit card has a past due balance because the person is declaring bankruptcy. I thought that wouldn't affect me since it was under his name. Why does it affect me??? It also says that this account will go to positive status on 8/2007!!! Does that mean that it will be with me till then??? Under "Positive Items," I have my J. Crew credit card. But, will I ever get a real credit card...I was also planning on buying a new car in the summer. Is that out of the question? Thanks.