<prompt> Human: As the above has mentioned, my parents have opened accounts in my name and defaulted. I only noticed this recently when I ran a second credit report on noddle CallCredit; I usually use ClearScore Equifax and these had not been flagged. Ive since looked at my experian credit report and these are also not flagged on this. The accounts were open in 2017 using my parents address of which Ive never used using variations of my name. Id like to get these accounts off of my credit report but I want to try and keep the consequences to my parents as minimal as possible Essentially, trying to avoid a fraudulent charge etc. What are my options?Whilst I dont owe my parents anything, I dont want to cause them trouble. Their lives are pretty stressful as it is largely due to their own decisions whilst mine is fairly comfortable. There have been issues in the past with money but after much discussion largely due to these accounts being opened weve managed to make some good financial progress in terms of changing spending habits, counselling etc. I therefore dont want to make things worse for them if I can avoid it. I appreciate not everyone will understand that reasoning, but thats my decision. I know I can flag these accounts as fraudlent through noddle but are there any other options that avoid this? Any help and insight would be much appreciated. Assistant: Youll need to file a police report and report the accounts as fraudulent. Theres no other way to remove them from your credit without disputing the account as yours. When they see it in variations of your name at an address you have other things tied to, theyll likely want a police report. If you dont want to do that, you could pay it off. You need to put a lock on your credit now to prevent future fraud. Human: Thanks for responding, but Id like to avoid doing that. Are there any other options?  <response>: They are either fraudulent - which means you need to file the police report for the creditors to accept that - or they arent, in which case they stay on your report because they are supposed to be there.There is no way to simply make the creditors take the hit to protect both you and the identity thieves. 