<prompt> Human: I am currently a 20 year old living, living with my girlfriend, who studies full time at a local university in the US. During high school I had a joint bank account with my mother because as a minor I could not have one of my own. When I turned 18 I moved banks and she told me she had the account terminated. However, she proceeded to use the closed bank account that was still open to write multiple bad checks which resulted in her arrest back in 2013. This racked up almost 4,000 in debt to the banks, and they charged-off the account according to my most recent credit statement. I believe the amount has been paid off in full as of last year. I had no idea any of this was going on until I applied for a credit card and the credit report showed I had a serious delinquency every month. This is not good, considering Im a college student trying to build up any ounce of credit I can while I am still in school. I also do not want this affecting my life for up to seven years when it was absolutely not my fault that she chose to commit a felony and in-debt her and subsequently myself. So the question I am getting to is how do I go about removing this from my credit report?  <response>: If she was arrested for writing the bad checks on this account you need to get a copy of the police report. I would use this to dispute the negative remarks on your credit report with each credit bureau. You will have to keep following up with this as they may give you the run around. 