This is my first post so if i'm doing something wrong lmk and ill fix it. also prepare before you read bc it's 7am and im on mobile so expect a mess.
So just a background im 20yo and im about to start school, currently living with my mom to save. I've never had a loan or a credit card or anything of that nature. So when i logged into Credit Karma for the first time i didn't expect much.
Turns out i already had an account (my email, SSN, and pw) and a credit card (not mine) that's been set up for a year.
Now a year ago i lived with my dad in an apartment for about 6 months and he'd always say things like "were gonna get a house soon i just have to get my credit right" and i remember him asking me for my SSN and info bc he said "im putting you on my credit that way you can have good credit when you start using it". my parents have been divorced since i was 3 and my dad lived far so i didn't see much of him and i know not to trust him with things like that (his family has a history of scamming) but he seemed to have his shit together so i trusted him. When i logged on i had a 720 with 86% utilization and shows me the credit card connected to MY ACCOUNT ASSOCIATED WITH MY SSN AND MY CREDIT.
So i guess what i'm trying to say is i know my dad had shit credit before a year ago, and it seemed like a dream come true when he bought his first house, so did my dad use my lack of credit to restart and piggy back off me? or did he use my SSN to. yield credit and buy a house? idk. i don't know how any of this works and im not okay with sharing credit with my dad so please help what do i do? i feel like something sneaky went on
td;lr i have no credit, logged into CK and found all my dads expenses, wondering if he used my SSN to buy his new house.
Submitted March 11, 2017 at 08:42AM by dolphinatelyfishy http://ift.tt/2mc24E4
