<prompt> Human: Long-time lurker. Ive been wanting to ask this for awhile, apologies if these questions are...stupid. This is my first time posting ever, thanks for understanding in advance. My bank account that I have had since I was in my teens has my sisters social security number on it. Im 23 now, she is 24. Im trying to determine steps going forward, as its about time this gets fixed. When it comes time to rent an apartment, get a car, etc. I dont want this hanging over my head.Some background first:I think we opened our accounts at Washington Mutual before it became Chase when I was a freshman in high school, she was a junior. We lived with our dad almost eighty now and he took us to get accounts, and this is where the mess-up happened. No, her account does not have my social on it, Im guessing my dad didnt have my social and my mother was probably being herself and not giving up that information. It was just a debit card account, and I honestly never needed to provide my social for ID until I was getting ready for university senior year. ATMs were the most convenient way for me to deposit checks from work and withdraw money. Anyway, one day I actually went into the bank for something and when they asked for my social, I gave them my own, which didnt work. After much confusion and increasingly suspicious looks from the teller, I called my dad and he said, Oh, try your sisters. Ah, it worked. The teller told me that to change it I would need my sister to come in with me, and both of us bring our SS cards. Long story short, this never happened. My family is dysfunctional to say the least. I left for university right after graduation, visited home rarely for very short periods of time, and during those visits it was never convenient for my sister to accompany me to the bank for this errand she still lived at home being an artist or lion or something. I went to a pretty rigorous university, and when I wasnt studying I was nannying to pay for school. Excuses, but yeah I never took the time to close my account.About my sister. She is TERRIBLE with money, similar to the rest of my family. Always overdraws, paycheck to paycheck, and if my dad lends her his card for gas or milk, she sees it as a money tree and will easily spend away his small pension for some raw organic miracle poop cream, idk. Thats another story. My guess is no one would give her a loan anytime soon.It has been obvious to me that I should just close the account. My concern is that my credit is linked with her history because my account has her number on it please correct me if thats incorrect. If I just close it, what happens to my credit? Does anything happen? Im pretty good with the account, dont overdraw, always keep enough money in there. If that would reflect well on my credit, is there a way to, I guess, change it to my social security number, but keep that history? And no, she has never used or accessed my account herself. She does know about it, doesnt care. Not sure if thats relevant.Anyone have advice for me?Edit: You guys are a huge help. Feel silly for thinking some mild armageddon would befall me with this thing, but yeah, thanks! Going tomorrow to take care of it.  <response>: you control the account - cash everything out then open a new account in your nameSS. Only issuedownside is moving over direct deposits and autobills and such. But to me, that is completely worth it.Bank accounts and debt cards dont affect your credit. So no issues there. 