<prompt> Human: EDIT: Just to clarify I am in the UK.EDIT 2: I am 18 and have never owned a credit card or anything that would affect my credit so badly. Hey all, I just wanted some advice on what the hell to do in this situation. A bit of background - my mum is bipolar and BPD - it was left undiagnosed and therefore untreated till around 4 years ago. She is very reckless with money thanks to her illnesses, and this is where my problem begins. When I was around 3, my mum took out loans and credit cards in my name, and racked up thousands of pounds of debt. I only found this out the other week when I was leaving to go to college and saw a letter addressed to me. I took it with me and opened it to find out that I was in a lot of debt. I asked my mum about it and she told me everything. I then saw an advert for ClearScore.com and thought I would check my credit score. My credit score is 245. I nearly threw up when I read it - my life is basically ruined because of my mum. I love her to death and she is a wonderful woman but I cant believe that she did this to me. I know she is mentally ill but I still feel so betrayed and hurt by this. How is this going to affect my future? Will I be allowed student loans when I go to uni? How do I improve this??  <response>: Report the identity theft.Challengedispute every item on your credit report that was opened when you were under the age of 18. 