No. of Recommendations: 3
“ Mine, without significant credit card usage had to be built from scratch (despite my assets or investment income).”
Same thing happened to me. My wife and I only use one credit card, and she is the primary holder, and I am just an added user. I froze my credit and hadn’t applied for any credit card for the last 10-15 years.
When I went to BoA to apply for mortgage, they said i have no credit history (despite they lent me a car loan for a Mercedes just a few years ago which I paid off after a year, and that they know my wife has no job yet carry the only credit card of the family). BoA is so stupid. I am in fact in the process of moving my millions of assets out of BoA
