<prompt> Human: This is verh long Im sorry for that... but i am in a panic abput this matter with my daughter and possible? criminal chargers against me.My daughter is a full time college student who works full time. She turned 21 in November. Last year in FebMarch 2015 she asked me to apply for a credit card for her. I did apply for a Capital One card for college students. She was approved for 500 I think. Later in August 2015 she asked that I apply for a Best Buy card for her. I tried to talk her out of that but she insisted because she needed a new laptop bc hers had died. I thought nothing of applying for her bc I have always helped her with her finances, budget, how to save, etc. She lived with me at the time had always lived with me. Even though she did have her own P.O. Box most of her mail come to our house. Just before her Best Buy card arrived we had a huge fight and she moved out to live with her boyfriend. I also have a Capital One card which has a VERY SMALL limit on it. I dont need a credit card and realize how easy it is to ruin your credit so I actually ASKED Capital One to give me a lower credit limit. My card is just so I can use it for emergencies if needed or for vacation purposes. Thats it. I have no other cards. I was afraid for her to even start getting credit cards because I thought she would think free money. We of course had a huge discussion about that. She moved out in August 2015. All of her mail continued to come to my house even though she didnt live here. I spoke to her several times about changing her mailing address with the USPS because she wanted me to MAIL her all of her mail to her P.O. Box that is about 1 mile from my home. She wouldnt and still wont meet me to get her mail or even stop by to pick it up. This was the first and ONLY big huge fight wed ever had. Since her Capital One card my Capital One card were due at the same time each month I just paid the minimum sometimes more on her card at the same time I pd mine. Neither card was being used at the time. I thought NOTHING of it. At the time she was having car problems in my mind I was just helping her out. I mean 25-50month wasnt breaking the bank for me to pay each month. In October 2015 my youngest daughter began having serious health issues. At that time I wasnt able to keep paying my oldest daughters credit card bill. I continually asked her to change her mailing address bc her mail kept on coming to my home... even her Best Buy card statement, bank statements, everything from school. I refuse to MAIL all of her mail to a P.O. Box that is 1 mile from my home. I have a stack of her mail here she is aware of that. She knows she needs to pick it up or make arrangements to meet me to get it. I believe she has kept up with her Best Buy card payments. She also purchased a BRAND NEW car in November 2015. She didnt tell me. I found out from someone else. I know she didnt tell me she got the car bc she knew we had discussed buying a brand new car vs. buying a used car just to get thru the last 2 yrs of college... and once she was financially stable in her career that would be a good time to think of buying a brand new car. I have never even owned a BRAND NEW car. I have been a single mother of 3 girls for most of their lives so I couldnt even think of wasting money on a brand new car that depreciates as soon as you leave the lot. I know she got the car on some special because during that time I did see the commercials from the dealership about NO MONEY DOWN, CASH BACK, NO PMTS FOR X AMOUNT OF DAYS, ETC. She KNEW my position on that knew I would say What if something happens in the future and you cant make your car payment? What if you get sick? What if you lose your job? All normal stuff parents say to their grown children. Fast forward to NOW - April 2016. She has had 3 medical issues all at once. She is to have surgery next week. I knew she would be strapped for cash during that time told her I would either deposit some money in her bank account or mail her a check. I have not laid eyes on her since AUGUST 2015. I have only been able to speak with her ONE TIME on the phone. She will only text. The reason she moved out WAS because if this boyfriend. We did not approve. She knew we did not. She hid the relationship for an entire year... lying to me almost daily about where she was or who she was with or where she was going. I wasnt a pestering Mom. My position was if something happened to her I wouldnt even have an idea of where she may have been or who she may have been with. She was treated as an adult in my home the last year she lived here when she was 20 yrs old. I knew it was time to let go allow her to make her own choices, mistakes, etc. She didnt have to ASK me to go anywhere or do anything. I simply asked for a call or text to let me know what she was gonna be doing when to expect her home. There was no curfew. I didnt ground her for being home past times she said she would be home. None of that. She was treat like an adult who lived in my home. Now with her current health situation she tried to refinance her car was denied bc she is 120 days behind on her Capital One card. I stopped paying it in October due to my youngest daughters health issues which were and are a big deal. Now she is saying I applied for this Capital One card without her permission and it is ruining her credit because she couldnt refinance her car for a lower payment monthly. So pretty much what I told her MIGHT HAPPEN ONE DAY health issue etc which would make paying the car note difficult has happened. I believe however many months she didnt have to make a pmt on the car have obviously passed. She has probably had to pay 1 or 2 pmts now if I remember the commercial correctly. She is disputing the Capital One card on her credit report. She told me she has also called Capital One and the card is restricted. She says that means nobody can use it but she also told me the card hasnt been used since July 2015. She is now saying I applied for the card without her knowledge Im guessing because I did apply for it for her, made the payments out of MY bank account and called the automated line to make those payments it may appear that I did do that. However, I did not. She is saying this MUST come off her credit report because it is ruining her life because she cannot refinance her car. I have NO IDEA what all she has said to Capital One. I was going to call them today but after reading some things online about things like this I am scared to death! Im scared Im going to be arrested for identity theft or credit card fraud or who knows what else. I do not know the process of disputing something on your credit report. Can someone please explain this to me? What happens next? It will NOT be hard to see that I did in fact apply for this card for her... in her name... and paid her bills for it from my bank account... and that I called using my phone to make those payments at the same time I pd my little Capital One payments. The next thing Im worried about is what about the Best Buy card now? Will she say I applied for that without her permission as well? I did offer out of fear to pay all of the past due on her Capital One card about 200 for her this week. Remember she is having surgery this week... along with me putting some in her bank account to help with her expenses. I told her if we catch up her past due amount then she will be back on track for making regular monthly payments. She says No... this will be on her credit report for 7 yrs and will make things worse. I did some research and it seems that if u pay your past due amount then begin making your monthly pmts on time each month it can slowly bring up your credit rating. But I also read it may be best to just pay the whole thing off. In addition to all of this... the boyfriend has no car, doesnt go to school lives with his mother. They work at the same place so he rides with her to work, drives her car while she is in school etc. We had No issues ever come up until he come into the picture. He is not a guy her age. He is a grown man. I can tell even through text messages that it doesnt even sound like her. She has gone from living in a very nice home, having 90 of her expenses paid for her including her cell phone cellphone bill... which I had to.pay out of the contract bc she got a new phone with a new number when she moved out, having tuition paid for her, having me apply EVERY YEAR for student loans... to living in a run down house, in the projects and struggling daily all things as her Mother I tried to warn her about and explain. The boyfriend is a bus boy in a restaurant. He has no aspirations to do better. He is content with his job, has no desire to become educated, climb the ladder at work for a better position or get a better paying job. I feel she is pretty much his free ride literally and it has changed her. She never lied like this in the past until she become involved with him. She never spoke to me or treated me the way she does until him. I realize she IS Responsible for her own choices and actions, but still it makes me resent him even more. I feel he took advantage of a young girl who was seriously naive about men in general. He knew exactly what he wasis doing with her. He KNEW there would be family friction because of her hiding a relationship we disapproved of. I mean he is GROWN. Anyway I know I have gotten off track but mainly I need to know HOW this disputing something on a credit report works... what happens next? I have even gone so far as to tell her I will just pay the entire card off in one lump sum to end this madness. I cannot afford an attorney. I certainly cannot afford to be arrested. I have no one to take care of my other daughters they are much younger than her. Their father is not in the picture. He lives I think 3 hours away. He has no relationship with them for the last 8 years. He does not pay child support. I do not live anywhere NEAR family. I live 6 hrs away from my family and we are not close. I have thought of calling Capital One myself but I am terrified to do it. Im afraid of what she has said. She will NOT tell me what all she has said to them nor what they advised her to do nor what the steps of this process are. I HAVE ASKED HER MANY TIMES FOR THIS INFO! If I pay this card off IN FULL this week... will this still be a huge situation? Will I be in trouble for doing this for her applying for the card, paying the bill, etc? She will not answer my calls about this or anything else. I can only text her and she will not answer any questions now about anything. What should I do??? What is the best thing for me to do? Obviously I cant go to jail for this. I dont have anything written to prove she asked me to apply for this card or the best buy card... nothing. This was asked of me while she was on break at work... over the phone... at night. Things were fine between us then so I had no reason to ask her to do it herself or anything. I had no reason to not trust her especially since I have applied for her student loans for her every year. I even tried to show her how to do it all months before she left home but she refused - didnt have time, was working, had class, etc. I wanted her to SEE how to do this herself so she could do it herself this year. Anyway... I have rambled here and written an essay it feels like but I am seriously about to FREAK OUT. I barely slept the last 2 nights because I am worried sick. She knows where I work live obviously to have police arrest me. I know where she works goes to school but I dont know her hours or days to workschool anymore. I dont even know exactly where she lives because not only will she not tell me but HER father my younger daughters have a different father... found where she was living refused to tell me where it was because he says it was so bad I didnt need to see it. Its a dangerous area. If someone could PLEASE tell me what to do I would very much appreciate it. If someone can explain the process of disputing something on your credit report I would appreciate that as well. If someone can tell me if I pay this dang card off this week... will this be considered done... since we know I think that credit card companies just want their money paid. I also wondered... if she is so adamant about having this off of her credit report... is there some way the credit card company can just transfer this debt to my card? How easy is it to work with Capital One on things like this? They have always been very kind and helpful but it was nothing like this that I ever had to speak with them about. I just need HELP. Also, is it illegal for ME to have her mail forwarded to her P.O. Box myself? You know fill out the little form at the post office? That way SHE has her own mail I dont have to deal with that any longer. ANY AND ALL ADVICE IS WELCOME! Please no crazy silly stuff... I need serious advice on the best way to handle this ASAP.For reference: I believe her card limit is 500 so if the past due is 185 I think thats what she told me... Im rounding to 200... thats a total of 700. We live in MS. From what Ive read anything over 250 is a felony!!!  <response>: As a general piece of advice, your daughter is acting like a total piece of shit and after all of this gets resolved, you need to cut her off and disentangle your lives until she grows up and stops treating you like garbage if she ever does. 