<prompt> Human: Hi rpersonalfinance! I apologize in advance for any formatting errors or slow responses, Im typing this from my phone while on my break at work. So here is some back story -- Im 20, and living at home with my parents in order to save and buy a house. With that being the goal, Ive been looking into what I need to do to help myself in the future, and a friend from work told me about credit karma. So I went over there and made an account, when it told me I have a mortgage that started in June of 2009 I would have been 14. Uh oh. After learning that, I looked at the payment record, and they have never missed a payment, giving me an awesome credit score, but in reality I shouldnt have any credit whatsoever. So my big questions are these: who do I call to figure this out? Do I need to go somewhere? Do I need legal action or anything of the sort? Im just overwhelmed, and I dont know how to begin fixing the problem. Thanks for any help in advance, and everybody in this sub is my personal hero.UPDATEWow. Im utterly amazed at how amazing everyone in this sub is. You are all my personal heroes. I called both my parents and made sure they didnt use my name on anything first, then I called equifax. The mortgage was there, but it was just an error on their part, and was fairly painless to fix woo!. After getting that all settled up, I went back and checked my score again, but it hadnt changed its at 702 by the way. So I called again just to double check. Little to my knowledge, my measly student loan payments of 60 were what put me there, and the mortgage actually wasnt reflected in the score to start with. Awesome! Since you guys are so downright amazing, I have another few questions! And a little more back story to go with it, if yall dont mind.My total student loan debt only debt I have is about 5,400. I have no credit cards, but plan on getting one after a little research on how to use it properly in order to build awesome credit. I never finished college heart just wasnt in it, didnt fail any classes or anything and I dropped out after 3 semesters. So heres question number 1 -- will my college history have any impact on my chances at getting a good loan, or have any effect on my credit? Okay time for question number 2: I have about 10,500 right now. What is the best approach to paying off my student loan? Should I do it all at once, or is there a pattern I should follow? Or is there a specific method that would help me more?Thanks again guys, you have made my life much much better, I cant even express how grateful I am for all the help.  <response>: I share a name with my grandfather. The first time I checked my credit, my report erroneously included his mortgage. Im not sure why the name alone was enough to get it on my report you would think the SSN would need to match, too, but I was able to call Experian, file a dispute, and get it removed. 