My parents are undocumented and used my credit to take out a mortgage and auto loan when I was 4 years old. My current credit score is about 776 and house was paid off this year while the car has 2 years left. They were very responsible and cautious using my credit, but Im wondering what to do. 1. My dad’s DOB and employers show up on my account. I tried applying for a cc recently and they’re requesting further documentation bc I’m assuming they saw that info didn’t match up to my actual dob/employer. My dad did NOT use my ssn for employment, it just shows on my credit report bc he applied to loans with his employer listed. Is there a way to change the dob without triggering an investigation or getting my parents in trouble?
- I will be filing for taxes for the first time next year and am unsure how having a house under my name will play out. My parents have paid taxes on it the last 14 years using a taxpayer ID number. They are meeting with an accountant on Saturday to have ownership transferred. Should they do this or leave me as the owner since the accounts are still on MY credit report?
Edit: forgot to mention my dad and I have identical names
Submitted November 08, 2018 at 08:49PM by trwilliam https://ift.tt/2Dd37A6
