Just ran an Experian credit report. My score says it is 650, and that I have credit card and credit line debt totaling $42,816.
I only use one American Express credit card sparingly for gas and small transactions. That AMEX account was set up when I was under eighteen by my father, in 2019. It is in my name but it has a spending limit of $300. He didn't allow me to get a job during the school year, so he told me to use it for gas and for small purchases. He told me he'd be responsible for its payment.
I just logged into my AMEX account to check my billing history since 2019.
I found the following:
- 2019 Total Purchases: $1,146.27
- 2020 Total Purchases: $1,540.46
- 2021 to date: $1,285.29. (higher due to some medical visits during college)
I can't access payment history, because it appears that my Dad has linked that to his own American Express Account.
My Dad is not open about finances with me, but I need to get to the bottom of this. What should my next steps be? How can I figure out where this 40k debt is coming from?
Submitted May 24, 2021 at 11:52PM by [deleted] https://ift.tt/2RI75dv
