<prompt> Human: My dad ran off with another woman more than a decade ago.I havent heard from him since, but thats not the problem.The problem is that fucker took out a loan under MY name when I was practically a baby and never paid it back.As a result, my credit score is complete trash.What do I do? I dont even qualify for a credit card right now and dont really have that much cash on hand.  <response>: I believe you will have to file a police report in order to start repairing your credit. Good Luck.Huffington Post: Child Identity TheftMoney.com: Dealing with identity theft by a relative 