<prompt> Human: Im a 21 year old mother of 2 trying to get a house loan with my fiance. So the back story is, at 19 I tried to get an electric utilities account which is when I found out there was already an account opened in my name. At the time in didnt know who had opened it but it was opened when I was about 12. I got in touch with the eletric company to tell them that it was impossible. I recently found out it was my mother and to avoid criminal charges my dad had my 120 my moms outstanding debt placed onto his account to be paid by him within a certain timeframe steep interest. Fast forward, we recently talked with a lender to see about a home loan. I tried checking out my score expecting it to be nothing since I have never had a credit card. I tried quizzle, sesame credit, and credit karma. They all said they couldnt help me obtain my credit report because of conflicted information. So I tried to go straight to the credit bureaus, same thing. I tried my ssn with my mothers name, she opened a credit card in her name with my ssn, she paid it on time every month for 8 months than closed the account, the credit on that is 661. The problem is, I now how to prove Im not frauding myself... I dont know how to do that. Will her credit on my ssn count toward me once I prove Im me or will I be able to start fresh?  <response>: Go back to the credit bureaus. Theyll have information on how to mail in a request with additional identity verification so you can get access to your credit reports. Once you get access, dispute anything that is inaccurate. Note that you may have to file police reports for them to remove some stuff. 