<prompt> Human: I come to you guys out of desperation, rpersonalfinance.About 2 years ago I lived in Mississippi for 6 months. While living there, my mom put our Comcast bill in my name without my permission or knowledge. She did so in order to get a smaller deposit her credit is very poor. 3 months ago, I start receiving calls from collection agencies trying to get the money from me. I had absolutely no idea about this previously. A month after the initial phone call, its on my credit. Ive been constantly trying to get my parents to deal with it. I cant afford the 950 to pay it off myself I forgot to mention it was simply a bill just not paid the cost of equipment that she never returned. My mom promised to deal with it before school started, but obviously that didnt work. My credit score before wasnt too bad, but it wasnt good either; it hovered around 640. After it got posted on my credit score, it plummeted down to 570. Ive since gotten it to 590, but I still am trying to get it resolved. Where can I go from here? Is there any way to get it removed from my own credit score and put onto hers? Is there any way I can get it put into her name and not mine? Is there anything I can do if I cant? I was reading the FAQ about being able to pay for it and get it deleted from your credit report. If I do that, would it be as if it was never on my credit, or would it still be in some kind of history? Ive been using this subreddit for only 4 months now, so I still do not know too much about everything that involves the world of credit. Any and all advice is greatly appreciated.  <response>: Start by disputing the bill, on grounds that you did not sign for it. Tell, them to send you the contract with a signature on it. While you are at it, also tell them to only contact you by certified mail, and only contact them by certified mail. Once you get the contract, then you send a notarized copy of your signature to them, to prove you did not sign the contract. Once you have done that, then the bill is not your responsibility and it is now the collection agencys responsibility to fix your credit score ding. It is not your responsibility to help them find whoever faked your signature. They may ask, but you are under no obligation to help them. ore than likely, they will continue to try to get you to pay, but again, its not your responsibility to pay, once you show them your signature and that signature does not match the one on the contract. If it were me, when I send in the copy of the signature, I would also make a very general statement to the affect of you are sending this in on advice of legal counsel. That should be enough of a hint to let them know you will come down on them if the collection agency steps out of line with you, like calling you at work, continues to try to get you to pay the bill they will try to tell you that since its family that you should pay - uh, nope harassing your friends, damaging your reputation in any manner, or calling you when you have told them not to.Them calmly tell your Mom what you have done, and tell her the company will be probably be contacting her, and it will be in her best interest to fix this. This is all you should tell her. Shes grown - she knows the consequences - she knows what fraud is. Let her deal with it, and anything that results from it. Moe than likely, if she simply pays the bill in full, immediately, then no charges will be filed against her. But one more time this is not yours to handle, it is your Moms mess.Then you go back to the collection agency and demand they fix your credit ding. They must send you a letter and make sure it has a signature in ink on it that states what steps they have taken, and what credit agencies they have contacted, to fix this. And have them send you a letter explaining that you were the victim of fraud, and you are not responsible for the bill. You need this to work from your end, to fix your credit - copies must be sent out and the credit agencies must put it in your file. Give the collection agency a time frame of 60 days, and tell them you will be contacting the necessary regulatory boards in your state, if they fail to fix it within the time frame. Do not let people try to delay or guilt trip you, and dont let your own guilt stop you from taking care of business. She may be your Mom, but she messed up big time and very wrongfully took advantage of you. Dont even bother trying to get her to see what she has done to your credit and your trust in her - its wasted effort. Just set the wheels in motion and let her take care of the problem that she created. Youre getting wound up by the family drama and the blowback. Just keep reminding your self that its just business, and go about this in a matter of fact, one step at a time and no bullshit manner. You are not the first person to be a victim of fraud and there is a good chance it may happen to you again, so look at as if its just another lawn to mow. 