Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

0 Contributions
0 People Helped
Only history is from being authorized user on mom's CC (but they have late payments). What to do?
I'm just getting started building credit. The only credit history I have is from 2 of my mom's accounts that I was an authorized user on. However, those accounts have late payments on them. I'm not sure if I should dispute them, since I think it is one of the only things giving me a credit score. So do I keep those linked to me (even though they are lowering my score) or should I start from scratch? The only other thing on my credit report is my student loans, which I start payments on next month.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.