<prompt> Human: So I was signing up for a new phone plan online and they asked for my credit card number to check my credit. The next page was asking me about my credit history to verify my identity. The first question asked what bank I opened my credit card with, which was all fine. The problem was with the next two questions. The second question said I had an auto payment since July 2015 and the third said I had a mortgage since September 2014. I have no idea what these could be. Im only 19 so theres no way I couldve done this. Whats going on?  <response>: None of the above is often the correct answer. 