<prompt> Human: I am trying to build my credit as high and well as I can. Im 27 and just began monitoring it via Experian when I financed my first car last year. All of those payments have been paid on time. The only other form of open debt I have is my student loans-also paid on time. I have no other credit cards. In the last year, my score has increased 100 points.There is an account on my credit report opened 711983-seven years before my birth. It is a Sears credit card with a current balance of 5000 and a credit limit of 6000. The account status is closed and the payment status is open. Payment history since 2010: On time minimum payments. Last Updated: 72917.A serious issue that has arisen from this is that I often cant access my credit because I cant pass the identity questions assigned to my SSN. I couldnt freeze my credit, cant access all of my scores.Message from Experian: You are using nearly 90 of your total available credit. It is recommended to keep that under 30.Some Specific QuestionsShould I seek to have this removed from my credit history? How will that affect my credit score Experian says my credit length is a good factor and I would be removing at least 18 years? Am I a victim of identity theft? What steps can I take to resolve this?  <response>: Have you asked your parents about this account? Sometimes, parents will add a child as an authorized user on an account of theirs to help the child get a start with their credit history. The account would then appear on your report as this one does, but you have no legal responsibility for the payments. The nice thing about authorized user accounts is that they disappear when you are removed as an AU. If your parents did add you, they can remove you by calling the bank, or you can remove yourself in the same way. If they didnt add you, dispute the account as not yours - it seems unlikely this is identity theft since the account is older than you are, its more likely to be some type of error. Prudence would tell you to monitor your reports carefully though, and take immediate action if you see any other signs of identity theft. 