<prompt> Human: I could really use some advice here. When I was 19 my mom took a credit card out with Cap One in my name and maxed it out for 750. She told me about that one and I paid it off.Just now, at 23, I have gone in to request a car loan and it turns out she took a second card out in my name Chase, maxed it for 500 and never told me. This was years ago.Apparently it has passed through nearly every collections agency under the sun but whenever I ask her for help figuring out how to pay it off she gets defensive, insists that if you pay it off now, it will ding your credit report but if you ignore it it will fall off in a few years. She repratedly insists trust me and reminds me that she was a credit counselor for 8 years in the eighties.Its affecting my credit report now and I have no idea how to address it. I want to pay it off in secret but is there any credence to what she said?This is all extremely confusing and frustrating and I have no idea how to go about handling itEDIT So what Im gathering is that shes at least right about not paying off the Chase card? Its been sitting in collections for a few years now. Also, will freezing my accounts affect my loan eligibility?  <response>: Ask your mom if she knows what the statute of limitations is for identity theft. 