<prompt> Human: I enrolled in this feature with capital one and Im aware that it is a TransUnion check, but it seems off. I dont know if its fishy on their end or on my familys end.The first thing I noticed was that my credit score is 795. It says my age of my oldest account is 22 years Im 25. It says I have 5 accounts. 3 open and 2 closed. The 2 closed and 1 of the open ones are with a bank my grandma used to work for and have a 0 balance. I remember my grandma opening an account for me that I only used a couple of times and my dad paid off when I was younger.Now, I only have 1 open account that I know of and its with capital one. But it says I have 2 open capital one accounts. 1 with my correct balance albeit from last month and 1 with a 0 balance. Im confused by all of this and am lead to believe there was some shit going on i was maybe aware of but didnt know what was going on. Its odd because it seems to have affected my credit positively, but the extra open account with capital one and the extra open one with the old bank is alarming to me. Both of these accounts have 100 payment history, the capital one account with 0 balance has never had a balance. The other account Im 95 sure was opened by a parent but it says Im a co signer on it and I was 2 at the time of its creation. The thing is that account has the biggest positive effect on my credit, being open and paid off for so long. What do?!Sorry for the long tale, any advice would be much appreciated. Also, I dont think either parent would do this with negative intentions, but i dont like being uninformed or underinformed on things that effect me like this.  <response>: Relax. Id start by asking your family if they are familiar with any of these accounts. Sounds like one of them may have added you as an authorized user when you were very young.If they dont know anything about them, you can pull your actual credit report from each bureau for free once every 12 months from annualcreditreport.com. This wont have a score, but it will give you more info about any open accounts. If the accounts match up with what youre seeing on your report, you can call Cap One or the other lenders and sort it out. Bear in mind if everything is above board, and you remove the account that isnt explicitly yours from your credit report, your score will go down, and the difference may be significant, because your average age of accounts will change radically. 