<prompt> Human: Basically what the title says. Some background: I was living with my best friend from early 2015 to earlier this year. I signed up for credit karma to finally start cracking down on my bad credit when I saw two delinquent accounts for capital one credit cards that I DEFINITELY did not open. The dates on the accounts match a few months after we moved in together. She knew my SSN I can trust a friend of 11 years, right? birthday, personal info, all of it. Im really trying to get myself to a better place financially, but honestly, my credit was bad enough before this happened. Now I feel like Im in a hole I cant get out of. Ive never understood this stuff, but I know that this is not good.I also remember getting a letter in the mail around that time from capital one saying that they believed credit cards had been opened under my name falsely, but I thought it was just spam and threw it away, so theres that. So, reddit, I come to you. Is there any hope of getting these charges off of my report? Or is it as hopeless as my wallet?  <response>: You need to report your so-called friend to the police for identity theft and also I think fraud. 