<prompt> Human: Okay, so this is my problem my mother opened up two credit cards in MY name, without my permission. I found this out while I was doing a credit run, she has over 6k in debt in my name! I was so shock when I brought it up to her she said she was helping with building my credit She has by credit score so low around 300. Im so hurt and, angry she would do this my own mother. Point is you think if I call the credit card companys they will transfer the debt to her name? The two companies are capable one chase. I dont want to take this to court well because shes my mother. So can I handle this outside court???  <response>: Assuming you have derogatory lates or collections reported because of her: You call the police and file a report and then you follow the steps afforded to you under the law to report the credit lines a fraudulent so theyre removed by the credit reporting agencies and have zero effect on your score.Assuming the accounts were NEVER LATE and never in collections: You give her 30-60 days to get a loan or sell assets she owns to pay you back and close the accounts or you will report her to the police.She isnt your mother here, shes a criminal. If your accounts go late you may never get an account with that bank or lender ever again as some blacklist for life. 