In r/personalfinance, people dealing with parents opening credit cards and accounts in their name are told the only clean fix is reporting fraud, despite emotional reluctance, because creditors can garnish wages and enforce collections.
When I turned 19 years old my mom and dad opened up a bunch of credit cards (4), a Verizon account, then took advantage of my overdraft on my credit union account.
You are legally responsible for these charges that they fraudulently made in your name unless you report it as fraud.
Your parents committed a crime against you.
Did you open those accounts or sign on the dotted line at all? if not, report the fraud and get your score back
You have two options: * Pursue legal action vs your parents which will eventually clear you of the debt * Pay the debt.
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