Credit Confessions &’ Resolutions
So I’m here for more of some help on a credit situation. I am 24 and have kind of been babied into society my whole life. (Sad to say, but true.) It wasn’t until 2021, I had really stepped into society and decided to take my life into my own hands because of my mother kicking me out. I’ve never really needed to HAVE a credit card.
It wasn’t until recently (about 8 to 10 months ago) where I wanted to apply for one, so I did. Well I step into check my credit report recently, applying to get a place of my own. I then saw on my credit report that a credit card was opened in my name in 2021. Well, seems that when I was a teen my mother had opened a joint bank account with my name attached and has opened the credit card in my name. She has maxed out the total of $2,200 dollars and my credit usage is through the roof.
Is there any way to resolve said issue? I’ve called my banks and they think that I just opened the account and ditched the card. I am the primary account holder on the account and she added herself as an “authorized user”. I’m not too sure how she could have done this without me, but I’m looking to get my life back as this hinders me from getting much of anything because lenders don’t think I’m reliable enough.
I’ve only had one thing that I, myself applied for and that was a loan on my car. Which I paid off and on time and again I was pampered my whole life so I didn’t even know that my car loan applied to the fluctuations of my credit score. Luckily I didn’t miss any payments there so I’m good on this end.
It just sucks to know that my own mother would open a credit card in my name and let it go to collections, knowing how that would affect my future. I honestly don’t know where to go from here or how to resolve my situation. So I decided to bring it here, so I can get the justice I deserve, but in the correct manner.