<prompt> Human: So I was in need of a student credit card and after coming on this subreddit the Discover It card was the overall recommended winner. Im 18, never had any credit in my life. I have a student checking account from Chase and have used that debit card to make my purchases for a couple years now.The problem is, I was expecting to be accepted as I work a part time job, 12.50 an hour and the reason for them not accepting me wasHIGH NUMBER OF RECENT CREDIT BUREAU INQUIRIESI dont understand how this is possible as I have never applied for a credit card before or a loan or anything of that nature. I was hacked a couple days ago but Chase caught it and is sending me a new card and that was that. Could that have anything to do with it? Any advice on what to do now will help. Thanks!Assistant: Pull your credit reports and see whats on them. Be ready to dispute things that you didnt initiate.Human: All discover sent me was the equifax website if I wanted my free credit report. However Im here and there seems to be a charge to view it. Was discover referring to the free annual report ?Assistant: creditkarma.com gives you a free report too.also its v possible your parents opened credit in your name Human: Weird - when finishing the process the website asked me if I opened a retail card in several store options in 2015 ... never did that. And it asked about a loan for a car I took out and gave me several options in 2011 ... never did that. I was 12 in 2011. I what is going on man..  <response>: If you dont have credit accounts associated with your name the security questions end with a lot of questions that are asking if you have an account you dont have and the answer is none of the above. I would only start worrying if upon entering none of the above it tells you that you got questions wrong.If you are denied access, then you will have to fill out a hardcopy request for your credit report to be mailed to you. 