<prompt> Human: Title pretty much explains it all.More backstory: my Dads company went belly-up within the last two years, and hes subsequently been laid off in the last couple months and is declaring bankruptcy went into a LOT of business-related debts just trying to keep things afloat. Around the time things got really rough 2 years ago, I moved back in with my parents and have been contributing 50-50 to the household, all while working full-time, and commuting to my university full-time student. I had no knowledge of my mother opening a credit card account with me as the cosigner my Dad couldnt cosign because of the bankruptcy, and my mother doesnt work and couldnt qualify on her own, I guess.Im just mad. I checked my credit with CreditKharma, saw this random credit card with 99 of its credit utilized. At first I thought someone had stolen my identity, but then I realized the card was under the same bank my mom uses. So I asked her, and she said yes, she had me be her cosigner for her never mind I have two 30-yr-old older siblings that have shit credit, so thats why she couldnt use them. I was LIVID because of this accounts high credit utilization over the past two years, my credit score went from a 700 to 660. Personalfinance, what can I do? Could I call to get her credit card removed from my credit history without reporting her for fraud? Even though shes in the wrong, I still feel bad and theyre going through the bankruptcy and I dont want to make anything else harder for them---but theyre putting my future on the line I was planning on buying a house in the next 2 years with my fiancee, and now I dont think it will be possible.Assistant: If she committed fraud, the only way you are going to get it removed from your report is to report it as a fraudulent account. Human: Would it get her into legal troublearrested...? I mean, she might have fraudulently used my account but shes 50, and I dont want her to go to jail or anything :  <response>: Evidentally your mom did not have such a tender regard for the consequences that you would face. Fraud is fraud. That it is perpetrated by a family member just makes it an even worse breach of trust. It looks to me like she figure youd roll, being family and all. Its abuse. 