Originally Posted by ryan41
I have a capitol one credit card that i can only use up to $200 on lol. it hasn't really helped so much. I had my dad pull up my credit score at his work. I guess i must of missed a payment because my score was in the 500.
If you haven't had much credit at 20 then it might not even be a missed payment - it just takes awhile to build it up. If he was able to pull up your credit SCORE then he was also most likely to pull up your credit REPORT. Two different things. Last year after checking my and my wife's reports there were two false collections items on her report. It took about 3 months to clear them up and kept us from refinancing our house right away.