I see a lot of contradictory info online. I am an authorized user of someone else’s visa account and have a card with my name on it. Does this give me a credit rating if I have no credit accounts in my own name? I seem to be a credit ghost as Experian won’t authorize my ID on the the health exchange or at the SSA. It’s causing me a big headache.
Above quote is from the Experian website. I have not utilized any credit for decades. (I have sent for a credit report but won’t get an answer for weeks).
Experian won’t verify my identity so I can’t apply for Medicaid here in Washington.
It should give you some sort of credit. I had access to my father’s card for many years. I didn’t even know it because he only ever gave me one when I had a semester overseas. Years later when I was looking at my credit his card showed up saying it was being paid every month. I had no idea what it was until I talked to my father.
Hopefully the card you have is being paid on time and you should have at least some credit history. And you should be able to get a credit report, online, in a few minutes. I just did a week or so ago.
Well Edward, I actually can’t get a credit report online. I tried, but Experian made me send some documents and request it by snail mail. They can’t ID me by my name, address and SS number, or so they say. That’s why I asked about the authorized user thing. I’m trying to figure out if I’m a credit ghost or not.
Oh, so now people without their own credit ratings can’t get Obamacare?
More and more we’re becoming a society of “inner circle denizens” and “invisible untouchables”