<prompt> Human: EDIT: Thanks to everyone who helped me, sorry if i couldnt get to all your questions. I was freaking out and turns out that everything my dads doing is good as long as he keeps up with it. yall have helped me a lot and ill be looking forward to posting again, maybe not first thing in the morning next time ha. This is my first post so if im doing something wrong lmk and ill fix it. also prepare before you read bc its 7am and im on mobile so expect a mess. So just a background im 20yo and im about to start school, currently living with my mom to save. Ive never had a loan or a credit card or anything of that nature. So when i logged into Credit Karma for the first time i didnt expect much. Turns out i already had an account my email, SSN, and pw and a credit card not mine thats been set up for a year. Now a year ago i lived with my dad in an apartment for about 6 months and hed always say things like were gonna get a house soon i just have to get my credit right and i remember him asking me for my SSN and info bc he said im putting you on my credit that way you can have good credit when you start using it. my parents have been divorced since i was 3 and my dad lived far so i didnt see much of him and i know not to trust him with things like that his family has a history of scamming but he seemed to have his shit together so i trusted him.When i logged on i had a 720 with 86 utilization and shows me the credit card connected to MY ACCOUNT ASSOCIATED WITH MY SSN AND MY CREDIT. So i guess what im trying to say is i know my dad had shit credit before a year ago, and it seemed like a dream come true when he bought his first house, so did my dad use my lack of credit to restart and piggy back off me? or did he use my SSN to. yield credit and buy a house? idk. i dont know how any of this works and im not okay with sharing credit with my dad so please help what do i do? i feel like something sneaky went on td;lr i have no credit, logged into CK and found all my dads expenses, wondering if he used my SSN to buy his new house.  <response>: Theres nothing fishy going on here. Its a common tactic used by parents to try and set their kids up with a good credit score assuming he actually pays bills on time. This isnt a scam. If hes paying it off every month, its actually a huge help to you. Plus, since youre an authorized user, youre not legally responsible for any of the debt. 