<prompt> Human: Just checked my credit report on credit karma. My scores 765, but while I only have one credit card, three show up. One was opened before I was born and one was opened when I was eight years old. What should I do?  <response>: See the guidelines in the FAQ . Pull a report from TransUnion via annualcreditreport.com, and look at the account details. Its possible this could be a parent or relative, or maybe you have authorized user status. 