<prompt> Human: Hi personalfinance. I am closing on a house with my husband in two weeks. We knew that my father in law had two credit cards opened in my husbands name without his permission. We made the mistake of trusting him when he told us they were in good standing and he was paying them off as soon as possible. Our broker called us to tell us that my husbands credit rating dropped 100 points because one of the cards is 90 days over due. We now no longer qualify for a home loan. We dont have the heart to press charges against him for identify theft. He has poor credit and cannot transfer the cards or balances to his name. What can we do? Can we report the cards as fraudulent without pointing a finger at him?  <response>: Do not take the hit for his willingness to break the law and throw you under the bus 