<prompt> Human: Hi. Im 17 years old, and Im afraid my credit will be negatively impacted by my parents foolish decision. A few years ago, they created a Xfinity account under my name, but closed the account and had several hundred dollars left unpaid. A couple of years ago, I received a letter from a collection agency saying I owed this money. Im wondering if it will transfer over to credit. I asked my dad if he would pay it off and he said it would, but some years later, and nothing.  <response>: Call each account that they registered you in and say they were made without consent, and you wish to have them abolished with everything in your name removed or you will pursue legal actions. If they ask be honest say it was made when you were 15 without knowledge. 