which sentence is correct?
you already have one.
you already had one.
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Both sentences are valid.
Tunny is correct that context is key here. To expand on this:
You already have one.
would commonly be used where you already possess one.
You already had one.
would be used to say you already consumed one.
You would say
you already have a cookie
to a child who is holding a cookie and asking for another.
But you would say
you already had a cookie
to a child who already ate a cookie and is asking for another.