<prompt> Human: I am working on building credit and I was going through looking around on credit karma and I notice that there are 5 cars, 4 of which I know are my parents and 1 of them of the four I used to drive, got repossessed recently. The other I am not sure. I used to not have any credit but a credit of 586 and 593 just appeared. I am doing something with my bank forgot what they called it, where I can take out a 200 dollar loan and just do monthly payments til I pay it off. It is to help build credit. x200B;So I am just wondering about these cars. There is an option to remove them, does the affect my credit score? If I need to dispute it how do I do it? My dads name appear next to mine.  <response>: This might be a result of you being named on tbe insurance policies as an additional driver, so you have some association with them, but it doesnt make sense that it would affect your credit. It would be very weird for parents to put a childs name on an auto loan, but Ive seen a lot of parents do a lot worse.Your low credit score could just be because youre just starting to build it up and you have a lot of negative factors. 