dad’s credit card tanking my credit score ?
hi!! i’m not sure if this is the right subreddit for this, but i’m pretty sure my dad’s credit cards are tanking my credit score.
i’m 23, and i’ve been independent since i was 18. i moved out, paid for my own college with scholarships, got a credit card, and have been working full time with a salary around $35-40k since i was 20. i live alone in a relatively expensive city, and i don’t make that much at my job(s), so my credit card has unfortunately been near the credit limit for a while (it has never gone over). my credit keeps going lower and lower even though i’m not doing anything different.
my dad put me as an authorized user on his credit card before i moved out, and i haven’t used it at all since moving out. i checked my credit score to see why it keeps going lower, and it said the problem was 3 credit cards (that aren’t mine) that are at or over the credit limit. is there anything i can do about this without talking to my dad? i’m pretty sure these cards are his, and i know he has a history of debt and financial struggles. i have heard from my siblings that he has bought a new car and is buying a house in a very expensive city, but he is unemployed, and idk where the money could possibly come from. i know that my own credit card being near the limit is hurting my credit, but is it possible he is messing up my credit? it keeps sinking and idk what to do.