<prompt> Human: me and my fiance are expecting our first baby, and we are trying to get our finances in order. we ran his credit report and it says 525 O__O, with one derogatory mark of 734 credit card in collections currently was sold to them in 2014. Come to find out, my fiances mother knows his social and had taken this card out in his name, maxed it out, and was supposed to be paying it off. Called the collections company i know this is the wrong move normally if we would want to wait for statute of limitations, turns out she hadnt paid on it since 2012. My fiance loves his mom to death complete mamas boy, and doesnt want to cause her any more stress because she is under so much pressure despite us having a newborn on the way and unable to hardly provide in our shitty little apartment. Turns out his mother has always had finance issues, and with his late father she had several unpaid maxed out credit cards. He set up payment options for 12 months to get this paid off, but I am incredibly butthurt to say the least because he mother sill nickel and dimes him on shit. He never even HAD the credit card in his posession. Is there anything we can do to get this removed without getting her in trouble? This is bullshit and Im afraid we already screwed ourselves by setting up a payment plan he called her and told her were trying to take some stress off you when she hasnt fucking paid it in 3 years. My eyes about melted out of my skull when I saw the derogatory mark and I really am trying not to hate this woman. She has stunted our familys progress before weve even had a chance to start.Assistant: You have to decide if you are going to report it as fraud or not. I would, but theres people quite often on the sub who say they cantwont because its family. This is bullshit and Im afraid we already screwed ourselves by setting up a payment plan he called her and told her were trying to take some stress off you when she hasnt fucking paid it in 3 years. You already set up a payment plan with the cc company? Human: as soon as we saw it, he called capitol one, they forwarded us to the collections agency and he set up a payment plan over the course of 12 months. in his mind she can do no wrong.Assistant: It seems to me that if this is going to be your husband anytime soon, its time to sit them down and talk very frankly about this sort of behavior Im talking about his priorities, not this specific incident. If its not dealt with now, your marriage is going to have a lot more stress than it otherwise would.Human: he knows how incredibly butthurt i am. even she got a little ruffled when he initally called her to tell her we saw it on the report and set up payments. i already told him we wont be married until were financially independent and stable. Im terrified that she knows his personal info though and could potentially do this again in the future already told him we would be filing a report if she does. My only consolation is that his score is such dogshit right now he wouldnt be approved on anything.  <response>: Dont marry someone who puts his mother above you. Especially in financial decisions. Money problems like this are at the root of most divorces. Either he changes, or you will wind up divorcing. Probably youll have seriously lowered your credit by the time that happens, because once youre married your finances are more tied together. This marriage is having serious trouble before it starts, and is heading for worse down the road. Prioritizing his mother above his soon-to-be spousechild and making financial decisions that hurt you without your input are gigantic, unmistakable red flags. Get into pre-martial counseling ASAP, and if he starts complaining about the time or money spent, walk away. Find a better guy who will treat you with the respect and love you deserve. Dont tie yourself to someone who refuses to be a good husband and father. You deserve better, and your child deserves better. 