<prompt> Human: As the title says I need help to fix my credit. Recently I found out that my father used my ssn to apply for credit and has racked over 10,000 in debt in my name. We both have the same name. If you can please help me with some options in order to restore my credit that would be very much appreciative.  <response>: Unfortunately, theres generally not a good way out of these situations that does involve either filing a police report or paying off the debt yourself and closing the account. At the very least, Id put a fraud alert on your SSN so he cant do any more damage. 