<prompt> Human: So I recently got my first credit card in the mail and on one of the papers it said my current credit score was like 634. Im confused because I thought the credit score is something you have to build up and Im wondering why I already have a credit score if I have never owned a credit card before. Maybe somebody used my name for one idk. Also I know its not parents because they dont do stuff like that. Any info one why I already have a credit score would be appreciated.  <response>: Your real question should be, Is there anything suspicious on my credit report that resulted in me having a 634 score?For that, go to and pull a copy of your report from all 3 bureaus and examine it. 