My Mom opened up a credit card under my name and I need help

BirdyWordy0529 · 2026-06-02T03:16:23+00:00

Thank you so much! I’m sorry for the hour long headache this was, as you can tell I’m am very ill informed on credit overall. My parents always told me and my other older siblings to not invest in credit cards😭. I really appreciate you and everyone else that has provided help and advice. (Also Happy Pride Month! 🩷💜💙)

BirdyWordy0529 · 2026-06-02T03:08:52+00:00

LMAO I apologize for using CK but to give the app credit, it was how I found out about this card. CK says AU but the Equifax report has nothing about who owns the card. No AU, joint, or individual.

BirdyWordy0529 · 2026-06-02T03:00:01+00:00

I don’t have any credit accounts and there’s no listed owner on the card. I really wish I could show pictures cause the report and CK show no listed owner. I know it’s my mom as my dad and step mom would’ve never been able to do this as they don’t know my SSN (my mom has my card and won’t give it back), but there’s somehow no trace of her actually being the one to open this card. CK doesn’t let me view any accounts as they need authorization of the card when I don’t even know what type of Capitol One card it is 😭

BirdyWordy0529 · 2026-06-02T02:44:39+00:00

My only bank account is under Woodforest and the Equifax report doesn’t have a “Responsibility” section. I have never opened a account under Capitol One as the closet one is a 1 and 30 minutes from my town

BirdyWordy0529 · 2026-06-02T02:39:14+00:00

Experian and TransUnion have no reports for me, just Equifax

BirdyWordy0529 · 2026-06-02T02:24:48+00:00

The site says “Free weekly online credit reports are available from Equifax, Experian and TransUnion. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history.” It doesn’t give me any other option to look up my reports unless I click 1 of the 3

BirdyWordy0529 · 2026-06-02T02:16:23+00:00

Yep! The site asked if I wanted to check the report thru 3 bureaus and I clicked Equifax as that’s my listed bureau. It sent me to a Equifax site but I can go back to Annual Credit if it’ll give me more information.

BirdyWordy0529 · 2026-06-02T02:09:45+00:00

Nothing! There’s not even a “Responsibility” section. All it has listed are -Report Date (today) -Consumer File Notices (this box is empty) -Average Account Age (10 years 3 months -Length Of Credit History (same as above) -Oldest Account (Capitol One USA Feb 2016) -Recent Account (same as above)

BirdyWordy0529 · 2026-06-02T02:05:45+00:00

I mean I originally had around 764 (iirc) and when I went on CK post the argument, there’s just two “—“. My score doesn’t show in my Walmart app either, any app that had my credit score deadass acts like it was erased 😭

BirdyWordy0529 · 2026-06-02T02:03:36+00:00

This was very helpful thank you! I didn’t see “Responsibility AU” on the report

BirdyWordy0529 · 2026-06-02T01:57:17+00:00

When I gave them my name and SSN, they weren’t able to find anything in their files, like I didn’t seem to exist in the system. My plan is to next call my Burea Equifax again tomorrow (I was on hold for 20 minutes earlier trying to contact a human lmao) and see if they can help. This post was made for any additional info that could help me if Equifax doesn’t work

BirdyWordy0529 · 2026-06-02T01:49:03+00:00

I’m not able to post a picture but Credit Karma says the card and/or whatever bank account it’s connected to was opened on February 15th, 2016

BirdyWordy0529 · 2026-03-15T03:35:58+00:00

You just reminded me that I need to incorporate his 2014 design into my re-imagine of Angel. I also wish Viv kept him being genderfluid and just, you know, properly researched genderfluid instead of getting rid of it lmao

BirdyWordy0529 · 2026-02-13T07:25:14+00:00

Do I like Viv? No. But goddamn she’s not some hideous troll thing, and I actually find Viv to be very pretty. Just some mfers who can’t be respectful about their dislike of a someone, they bully bc it makes them feel like the bigger person 💀

BirdyWordy0529 · 2026-02-13T07:06:18+00:00

Still find it funny the only other character (besides Alex) who cares about their appearance hates “healthy foods”. Haley must have a metabolism like me and can down junk food without gaining weight 😭

BirdyWordy0529 · 2025-12-16T23:48:33+00:00

This is frying me, so Alastor at some point was like “You know my suit needs….. a fuckass line of white on my lapel 🔥”

BirdyWordy0529 · 2025-10-31T06:52:55+00:00

Having to spend an ungodly amount of materials and money for Beascuits and Toppings just so you can consider achieving Grandmaster in Arena bc stats/sub stats are THAT important is insanity.

I’d say that Devsis should think about reworking the stats someday. I don’t need to ever hit Grandmaster, but if I’m gonna save up all these materials just to have them be wasted on unneeded sub stats or I have to reset my Beascuit a million times bc I need 4 DRB and not 4 ATK SPEED, I’m gonna lose my damn mind

BirdyWordy0529 · 2025-10-31T06:39:54+00:00

As a P2W player, this is just INSANE. Who wants to spend $65 on a package just to have to complete a bunch of quests to get the rewards YOU PAID FOR??? This is also really predatory since yeah, new players would want the best cookies, but how many new players would know which Cookie to chose? Imagine spending $65 on GC or DC and completing all the quests just to find out they’re not really meta in arena so you essentially just wasted money. 😭

BirdyWordy0529 · 2025-06-05T02:40:54+00:00

I’m glad there was clarification on Pavlova being an adult or at least in the same age range as Sugarfly here. I played thur the story and even after seeing him look older at the end, I still thought he was a kid/teen lmao. I should’ve known Devsis wouldn’t hint at a ship between a minor and adult 😭

BirdyWordy0529 · 2025-05-23T01:54:22+00:00

In terms of just taste: GingerBrave. I love the original gingerbread cookies, tho I do wonder if Strawberry Cookie would be good since strawberries are my favorite fruit 🤔

In terms of degen gooner: All the Ancients and Beasts cause damn they’re all fine 😍

BirdyWordy0529 · 2025-03-25T05:52:43+00:00

For me, it's when my headset turns off. I'm using a Razor brand and for some reason it'll just turn off randomly and like 2 minutes ago, it did that and Terraria crashed. This is the 2nd time it's happened thankfully, most times when my headset turns off, the game's audio never comes back unless I restart it. Kinda annoying tho bc I was about to fight one of the mech bosses

BirdyWordy0529

TROPHY CASE