<prompt> Human: Im new here, so I apologize if this is the wrong place to post this, but Im desperate.Im a 19 year old girl, turning 20 in about 2 weeks. Recently Ive taken an interest in saving my money, which is a big thing given that in my family our motto is Somethings wrong? Go shopping! I recently checked my credit report and was shocked to find my credit score is 594. I have a store credit card with a 600 limit that is paid off. In fact, I owe -2 on it. I just got approved for a new credit card, because I was hoping to get one in case of emergencies that I can use places other than a retail store.I owe 5,207 in student loans. I didnt think that was enough to impact my score that much. I would also like to note that was only freshman year of college. I went to a private school, then smartened up. I went to a community college where I got free tuition because my father works there, then Im going to a state school that will also be free because of fathers position working for the state.The reason my credit score is so low? When I was 12 years old my mother opened a credit card with my social security number. I confronted her about it and she said she would call them and explain the error. Two months later she still hasnt done anything about it. When I confronted her again she said it is because she owes them money and if she calls them to figure it out shell have to pay, and she doesnt want to.My mother owes 2,600 on a card with a 2000 limit and hasnt paid in over 3 months. Right now my money is going towards rent, utilities, food, you know, necessities. I cant exactly pay off her credit card right now to help my credit score, especially when I only work part time making 8.33 an hour. And before anybody says to get a better job, I dont drive nor have the option of driving any time in the near future. My work is a 45 minute walk away, and the closest place to where I live. I dont want to walk further than 45 minutes, especially when I work until midnight.  <response>: Its slimy, but if youre really against pursuing your mother, your best bet would probably be disputing the validity of the debt without admitting ownership and working in that fashion. Also freeze your credit reports so your mother cant open lines of credit without your consent again.Creditboards is a good forum that would likely be able to help you with the former. 