An 18-year-old girl struggles to apply for her first credit card after it was immediately declined due to a low credit score.
At first she was confused, but then she realized that her parents had used her name on phone and utility bills and without realizing it had racked up so many late fees and bad credit that his score had dropped to 520.
Now she wonders if her parents should be taken to family court.
She went to a swanky place on Reddit where all troubled kids (and adults) go to work out their issues or just voice a situation they think they might have been wrong in – the well-known subreddit called “r/ AmItheA–hole”, or AITA for short.
The internet philosophers who roam this subreddit will always be happy to listen to your request and then give you a rating based on their own personal opinion of your situation – sometimes even offering some sound advice.
At the most basic level, since the question is “Am I the asshole?” the notes are either you’re not the A–” (NTA) hole or “you’re the A–” (YTA) hole, with more complicated notes – but these are the most common.
“Since I was a teenager, my parents had my name on the phone and utility bills,” she explained. “I didn’t think about it at the time, but bills were happening, late fees and I was being penalized for their negligence.”
Unfortunately, your credit score is extremely important in the United States whenever you want to make a major purchase or take out a loan or even get a job or rent an apartment.
A credit score of 520 is absurdly low and could take years and years to fix, but luckily there is a way out.
“The credit records matched my suspicions, and the financial counselor told me that I should take my parents to family court to have those records rectified,” she continued. “I don’t believe my parents had any malicious intent, but I’m about to start my financial life and I feel like this is going to slow me down.”
Maybe the financial advisor knows things I don’t and taking the parents to court could magically fix bad credit, but I’m not sure parents need to be taken to court to fix the problem.
However, that is not the question to be answered. The question is whether she would be the “hole” for suing them regardless.
Many people agree that she is “not the asshole”, or NTA.
“NTA. Your credit score dominates your life,” said the top comment. “Any major purchase you want to make, buy a car, rent an apartment, even jobs, check your credit report. It’s unfortunate that they did this, but they have to take responsibility or your life will suffer.
At this point, it’s not just about repairing the credit score – although that’s very important – it’s about accepting responsibility and learning from their mistakes and recklessness which is costing them dearly. their daughter.
“NTA. What they did was calculated, illegal and abusive,” another prominent comment read. “They absolutely knew what they were doing, putting bills in your name. The only reason to do this is if you have already ruined your own credit. Now they’ve ruined yours too.
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They added that taking it to court and resolving it there would be the best course of action.
The poster said their parents took the accusation “personally”, but it doesn’t matter when you ruin your daughter’s life and can’t even accept responsibility.
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Isaac Serna-Diez is a writer who focuses on entertainment and current affairs, social justice and politics. Follow him on Twitter here.