<prompt> Human: so Im 19, have recently last couple months opened an account with US bank, I have an income of around 28K as a seasonal worker for a government agency. My savings are currently around 4k and im trying to boost my credit score to help with purchasing a home in the future. A couple weeks after opening my US bank card, i signed up on credit karma to check my score since I have been paying my card off in full and on time. While on their site I noticed that i had 2 separate cards listed, one under US bank with a credit limit usage of 1,000100, and another card listed under my name that was listed under my name opened sep 26, 1995; my birthday is in 1996.I asked my parents and they said they had opened a card at that time, and the card has a credit limit usage rate of 20.3k 15.3kmy father and i share the same first name, and the second discover card doesnt have a middle name registered to it.what should I do to fix this and get it off my report? how could this have happened? my current score is 701 and id image it would improve a bit with that card gone.  <response>: If the card was opened in 1995 and you were born in 1996, they did not open the card under your name. That would require your SSN, which is not issued until after birth. Its likely and youll find a lot of posts about this that, because you share a name with your father, there was a mistake somewhere along the line putting his card under your credit file.You could leave it, I suppose, but you may want to have your dad call Discover and make sure theyre reporting the card under the correct SSN, and contact Transunion to let them know. 