- Posts: 1
- Joined: Sun Dec 02, 2012 10:30 am
- Location: McAllen, TX
Hi everyone. New member here. Not sure if I'm posting this in the right section.
I am trying to asses my credit situation. Credit Karma says I have a "thin file" and so do the websites of the credit bureaus I have checked with. My question is this, shouldn't using a charge card as an authorized user under my parents' AMEX account have built up some credit by now? I have been using this AMEX Gold card for over 5 years. In my credit reports I can see my payment history on the charge card. It's all there. But for some reason I still have no score.
I have searched around for an answer to my question and so far haven't found it. I've also tried to get help from AMEX and they give me a 1-800 number that I can never get to work.
Just FYI, I have never rented an apartment or applied for a loan. I'm trying to determine whether or not I should (or even can) get an actual credit card to start building up my credit if need be.
Thanks in advance for your responses.