<prompt> Human: As the title reads, I found out after going to my bank and running my credit report that my mother has had a credit card in my name for the past ten years. Yes, I messed up by not running my credit report sooner, but I thought I had all of my finances accounted for.I dont want to throw her under the bus. I dont remember signing or agreeing to anything, but the exact time when the card opened was when I was a freshman in college. At that time, my family single parent wasnt doing so well, so Im not terribly surprised. As soon as I realized this was happening I called the credit card company and explained that I had no knowledge of this account, to which they closed it. Im decently employed, have about 50k in student loan debt, but this adds another 5k to the total. When I called the credit card company, they said that although she has such a high balance, over the years shes only missed a payment once or twice, nothing that I should be worried about credit score wise. However, since the card is in my name I now have 3 options:1 She or someone, me needs to make payment of 12 of the balance and then roughly 100 per month until its paid off. 2 She needs to find another credit card or means available that the balance can be transferred over to her name3 I accept responsibility - as the CC Rep stated, essentially allowing her to make payments and if she doesnt, they look to me. I also forfeit rights.She has a steady job. I dont know exactly how much she makes, but its decent for the area. I know she has student loans herself that she has in deferment, so thats definitely going to take a toll in the future. Ive asked her for all the details of her finances and shes working on getting them to me.This just plain sucks. I love my mom, and shes always been there for me. I dont explicitly remember opening a credit card for her, but now that Im an independent adult this is coming back to bite me in the ass. Do you have any suggestions for a situation like this?  <response>: She or someone, me needs to make payment of 12 of the balance and then roughly 100 per month until its paid off.She, not you, needs to pay this off. She opened it in your name without your knowledge. Since it sounds like she has a decent job and you seem to have a decent relationship, I would ask her about it. Tell her your concerns and that it is now messing up your credit. Perhaps you can work together to figure out a plan to ly this down as soon as possible. 