<prompt> Human: So my gfs parents opened an account in her name, dont pay the bills off right away and are ruining her credit score. We plan on closing the account this month. Her mom says not to close it because she would have to pay it off upfront and her dad says not to because it could hurt her score more; but we are tired of it not being paid off and ruining her score. 1 should we close the account; can it hurt my gf to close it before its paid off.2 what can we do to raise her score? Open CCs and just make sure theyre paid off every month? Whats the best option?Edit: also should have mentioned that my gf doesnt want to hurt her parents in any way including threatening them with identity theft. So anything we can do other than that?  <response>: Its identity theft. . So treat it as such. 