<prompt> Human: To begin, I am a responsible college student. About 8 months ago, my mothers dog was dying from a uterus infection. Without telling me, she signed me up for a Carecredit card without my permission. She used me as the primary and my step dad as the co-signer. Her credit is trash. By saving the dogs life, she put 1,800 dollars of debt and a maxed credit card in my name. This wasnt a huge issue until recently. After 6 months, all the interest was thrown on the balance, 17 and then she managed to miss a payment. I started out with a 650 credit score going into school. Putting the card and maxing it brought me to 510, then missing a payment brought me to 430. So essentially, I cant do anything about housing, cars or whatever, if I wanted to. Is there anyway I can get my name and record clear, especially since I did not provide permission to put me on this card? Id rather not destroy my relationship with her by taking her to court, or at least until I get out of school in a year.EDIT: In case of further suggestions, I get student financial aid using my mothers low income.TL;DR: Mom actively ruining credit, need a solution that will hopefully maintain relationship and financial aid for school.  <response>: Youre most likely going to either have to pay the bills or file a police report for identity theft. 