<prompt> Human: On the paper that BoA sent with my rejection gave the key factors affecting my score. They make no sense to me, as one is serious delinquency and proportion of balances to credit limits on banknational revolving or other revolving accounts is too high.The only other credit card Ive ever owned is an Amazon card, and Ive only used it for about 200 and paid it off fine. So these factors werent caused by me. What should I Do? Im just trying to start actually building up my credit.Assistant: When was the last time you looked at your report? It could be that someone has opened accounts in your name.Human: It seems that may be the case. I checked my report for the first time. It says 10 accounts. What should I do if I didnt open these?  <response>: Read the sticky on credit, credit repair, credit score, etc. If you want to fix this, and fix it right, then you are embarking on a six month journey that will require great documentation and critical thinking time dedicated every 3 days or so.It could be that all 10 items are truly a mistake. Like John Smith vs john smith and it is just a confusion of ownership. Much more likely, is that someone committed a crime and stole your credit. It is usually someone who knows you. Sometimes it is a complete stranger across the country.If a family member committed fraud, then it is hard to get rid of it without filing a police report.To start, you need to get your full credit report, not just a summary. The full report will show who, what, when, and where of each debt. Save pdf versions of everything important. 