As some of you know I'm doing all of this so I can get out of a 15% mortgage 60% LTV mortgage and into something more reasonable. I've never used credit before, I'm 40 and I just got my first credit card in December. (see how it won't work to go against the system lbrown?) Mortgage broker just pulled a tri-merge on May 31, 2002 and no scores are showing. How long will it be until I get a score, 6 months (which would be June) or 12 months? Would it help if I got my Dad to put me on as an authorized user on one of his cards? Help me!!!! I'm sitting here with a shirt and a tie looking like a dork (especially considering I had to chase a big old black bear out of the trash last night) and I wan tto kno wthis is all worth it. Hmmmm I think I have pre-court jitters. Have a hell of a case though, and I'm ready to fire. Wish I could video tape it. CBJ
Casey that is weird. I guess first you would have to call your credit card and mortgage company and make sure that they are reporting your acounts. If they are then I would think that you should have a score. If they are reporting your accounts, check with all 3 cra and see if they have your correct info, address, social security number etc... Good luck, Phyllis
Yes it would help if your dad added you as an Au. I would makes sure that the cards have never been late and is over 2 years of age. I'm not real sure how long it takes for you to get a score. Sorry.. I can't help you there.
The AU cards will show up on your CR with your Dad's original opened date. This should give you a bit of instant history. Get on a couple of his cards that he's had longest that are higher limit and have no derogatory info.
