<prompt> Human: So I have been avoiding credit like the plague because I am a broke college student and dont make enough to warrant it. I eat almost exclusively at the college cafeteria, and buy only necessities. However, I own a vehicle and wanted a line of credit to make repairs if absolutely necessary.So I got a Firestone card for this purpose. The only other credit I have is for my phone, which gets paid off on time every month. All this to say that I have never really had a reason to check my credit score. Turns out that my roommate last semester used my Firestone card without permission to make a 500 repair to his car and never told me. So my credit is now shit because it is several months overdue and I dont have the money or the income to pay it off. I have no idea what to do at this point.Edit: probably should have included this earlier, and it was braught out in the comments.I confronted him about this three weeks ago via text. He denied at first, but decided to pay me back the original 500 when I threatened to file a police report.I have yet to receive any money from him after three weeks of pestering him, and he has reverted to not my problem and is avoiding me again.  <response>: Quit fucking around here. File a police report and declare the charge not yours. You gave him too many chances to make this right. Not only that he fucked up your credit score. 