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I am an 18 year old who's never taken out a loan, opened a credit card, etc. Today I was trying to sign up for a stock trading app and it asked me about a mortgage I took out in 2015. This was alarming so I went on credit karma to see if maybe the app was just confusing me for someone with the same name. When I opened credit karma it gave me a score of 716, based on a mortgage payment and a credit card (both opened in 2015 and active as of last month). It says my payment history is solid (no missed payments) but the credit card has a balance of ~$9,000/28,000. Again I don't own a home or a credit card. Here are my questions: why would a credit history with no missed payment result in a less than perfect credit score? What the hell should I do in this situation? Thanks for any feedback.



Submitted September 20, 2017 at 12:43PM by bobandus69 http://ift.tt/2ypIqfj

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