<prompt> Human: Im 21 years old and come from a fairly poor family. 3 years ago, my mom opened a credit card in my name in order to pay some of the bills. She wasnt able to keep up with the payments and the account was closed as derogatory, severely hurting my credit.Because she did it to keep the lights on and put food on the table, I dont want to file a police report. Is it possible to transfer the debt to her? And if I do, will it erase all history of that card on my account, or will it still show up on my report?  <response>: I cant believe how often this seems to happen. The only accounts parents should open for their kids is a savings account. Way to knock your children in the kneecaps before they even start running. If my parents did this Id throw the book at them. She could have sought assistance. This isnt just stealing its your credit. 