<prompt> Human: Ive been trying to apply for a credit card for a while now. Discover declined me because of CHARGE-OFF.My credit score right now is 507. It stated that the key factors affecting my credit score is: SERIOUS DELINQUENCY, TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED, LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED, NO RECENT NON-MORTGAGE BALANCE INFORMATION, NUMBER OF INQUIRIES ON CREDIT BUREAU.I dont know exactly what each of these mean, but Ive never had a credit card in my name, ever. Apparently my mother says that they got my name mixed up with my fathers name for some kind of Verizon bill. ChrisChristopher example Ive filed an investigation before, and under the remark UNPAID BALANCED CHARGE OFF the estimated year that will be removed is stated to be 2022. Does this mean my credit wont improve till 2022??!! This is ridiculous. What does all of this mean? Was my mom using my name? What can I do?  <response>: Go to Get a free copy of your credit report and see whats on there. If there are delinquencies that are not valid you can dispute them with the credit reporting agencies. 