<prompt> Human: I have a discover credit card from june 2013 that I never applied for. I a 22 year old grad student only found out about after I obtained my first credit report.The report shows that the card was in good standing for about three months. then the account was over due two months. Paid off and then for about 2 years now the account has been overdue until being charged off.I got my credit report after being denied what i thought was my first credit card by several companies. Now i received a letter asking to settle the debt.My father says to just pay it so they take it off the report its about 255 and its easier than going through the process of identifying it as fraud.I have no idea what to do now. I know i started late but i wanted to start building credit this year with a credit card and apartment but now Im starting even further behind.Whats the best way to go about this?  <response>: DO NOT pay a fraudulent debt. Paying doesnt make it go away. Follow the steps in the ID Theft wiki 