<prompt> Human: I think I need some serious help. Ive never had a credit card but a friend recently told me about the benefits of his Discover cash back card and I decided to apply for one myself. To my surprise, I was denied instantly and given the following reasons below which have me pretty horrified.Type of credit score FICOYour credit score 571Key factors that affected your credit score were as follows:SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILEDNUMBER OF ACCOUNTS WITH DELINQUENCYTOO FEW ACCOUNTS CURRENTLY PAID AS AGREEDPROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGHHistory I dont know how much is relevant:I am a single 27 year old undergraduate about to graduate with a bachelors degree in a STEM field. Ive had a good job since 2012 and previously I worked in retail on and off from the ages of 18 to 21. Naturally I have my student debtloans but I am not required to start paying them off until 6 months after I graduate, no repayments have started yet.I have never had a credit card or taken any loans out only loans for college through my college loan provider. I currently have a checking account with Chase bank and a decent amount of savings around 10,000. The only bills I currently have are my rent and a storage unit which I pay on time every month. In 2012 and 2013 I visited the emergency room twice without insurance. The bills were sent to collections, I was served with papers by a lawyer and I made payments to their law office until I couldnt. My check was then garnished until what I owed was paid back, I think it was paid off sometime last year. This is the only issue I have ever had with money as far as I know.This is actually the first time I have ever checked my credit score or applied for a credit card. I suppose it may have been irresponsible to only check just now but Ive never had a reason to. My parents were considerably terrible with money growing up which has caused me to be very careful with how I spend mine. I help my family out with money very often these days.I can only assume that either my SSN was stolen and abused andor someone in my family used my SSN repeatedly without my knowledge or permission and abused it this is something I would not be surprised by to be honest. I have siblings who are less than trustworthy and my parents have fallen on hard times as well over the years. I would not put it past my parents or my siblings to have done something like this.So I come to this sub for guidance. I am absolutely lost and dont know what to do, where to go from here, or where to start. Any shred of advice is greatly appreciated. I will be happy to provide any more details if necessary.I have reviewed the links in the sidebar of this subreddit and believe I have not ignored anything that would render my post invalid, I apologize if I have missed something.  <response>: first step should be requesting your credit report A credit report will have different information than your credit score. The report will show credit activities current and past loans, defaults, credit cards, etc. You should see your student loans, medical defaults, on it. If you see other loans or credit cards you do not have, come back to start taking steps to dispute it. I suspect the credit score and items are a result from your medical issues. 