Why won't my Mom pay off a credit car she put under my name?

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chinesechickenbauk

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Without my permission, she put a credit card in my name and went over the limit. They wrote it as a charge off. It is 967.00. How do I get rid of the charge off? It's causing so many problems. We start getting in fights because of it. I can't get any loans to move because of it. She also put all the utilities here under my name because her credit made her put a deposit down. Why am I being punished. What legally, could I do?
 
Legally you can really get her into trouble for using your name. You should go to the credit reporting agencies and file a dispute for the charge as well as putting a Fraud Alert on your name/etc so if someone DOES try to do this (your mom, whoever) there will be a red flag if she tries to do anything in your name.
 
You aren't being punished, you're being used. My sister did the same thing to her two daughters and ruined their credit before they were even old enough to establish it for themselves. You can try to fix it when you are living out on your own. If you are 18 you can sit down with a lawyer and ask what your options are...their first consultation is free. I'm really sorry that you are a victim of your mother's credit scams. This should not be legal for a parent to do this, but unfortunately it happens all the time.

BTW...she will not pay off the credit card that's in your name as it does not affect her credit, it affects yours.
 
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