<prompt> Human: I just got my 1st credit card ever and activated it today. Received a paper that said I have a 665 credit score with it. I went online and got my credit checked by a big 3 and it showed that my credit was based on a car loan, a retail credit card and a few other cardssmall loans.These are all my grams I have a joint bank account - checking and debit - through my local bank account with her since the time I was 16 now 22 because I couldnt make one without it being a joint account at 16.Im trying to figure out what steps I take to start becoming independent, so that my credit score is a reflection of only MY recently opened credit card and student loans.  <response>: If a car loan, a credit card, and other small loans are showing on your report, it is because they are at least partly your loans. Simply sharing a bank account with someone doesnt mean you share all of their loan history as well. Seems like you are probably dealing with identity theft here. 