Alright, I’m 20 years old, and I just got my first credit card about 6 months ago. I’ve basically used it for nothing, and it’s never taken me more than 30 days to pay anything off. Anyway, they did a credit check at one point, and said due to a number of “incidents” in the past, I have terrible credit, and can’t get a student loan to go to university! I was so angry because I had no idea what they were talking about. There are a bunch of things my grandma bought and used my name for. I don’t understand HOW she did it. Anyway, I’m not sure what to do now, any advice?