<prompt> Human: Im 18 and I recently finished paying off a PS4 that I got from Very and my Mum just asked if she can use my name and my account to get a microwave and a new bed on finance. She said shed pay it off, but Im still reluctant to let her use it. She has a history of making debts she cant pay and she wont use her own name because her credit score is virtually non-existent. She filed for bankruptcy a while ago to help with the aforementioned debts. I know that her job can get her the money she needs to pay for it shes self employed as a psychic and can earn it easily but she just doesnt really work much, only ever enough to pay bills. I dont see why she doesnt just work more, save up, and buy them straight up without finance.With all this in mind, should I let her get those things in my name and trust that shell pay it back, or deal with the inevitable emotional backlash from not letting her anywhere near my credit score?  <response>: She has a history of making debts she cant pay and she wont use her own name because her credit score is virtually non-existent.Youve answered your own question. Dont do it, this could tear your relationship apart if she decides not to make the payments. If she really wants those items, shell have to use her own credit or save up. You can get pretty cheap second hand microwaves honestly pretty cheap new ones too, and as for the bed, shell just have to save. 