<prompt> Human: Please bear with me, its my first time posting on reddit. Hi! I know this may sound stupid, but a few years ago I think back in 2011 my grandmother asked me to let my sister get my social to help build my and her credit. My sister had just gotten out of college and had a bunch of student loans and what-not. Me not really knowing what she needed it for, and wanting to be a helpful sister. I did it, only for my grandmother. So a few years went by and my sister got married and got pregnant. She asked me to come move in with her to help with the baby, which I did. Only because of my grandmother. Well, I got a job up here and found out my sister had a credit card in my name, which was fine I guess because she gave it to me and said I have full control over it now. Well it was my first credit card ever and I kind of got a little crazy with the spending. That was a year ago. My sister and her husband decided they wanted to move into a house, I had just gotten my second job and couldnt transfer. I decided it was time for me to get a car. I checked a few places and got denied because of my credit. So I got confused and not knowing much about credit and why it is checked I asked my sister, she told me it was because of my capital one card and my crazy spending. So I was like oh alright. But then things werent adding up, I was making my payments on time and had made a payment plan with capital one. So how was my credit still so bad, I decided to check Credit Karma and found that there are 4 yes, 4 credit cards in my name that I did not get that are also 6090 days overdue. Recently my sister had been snatching mail out of my hand that had my name on it, Citi, Discover, and a few others. The same names of the credit cards on my credit report. I have a collection that I know about that was from me being in the hospital. But anyways, I am 18000 dollars in debt. and I only have a part time job where I make 7.75.. I dont even know where to begin or what to do about it. I do not want to sue my sister or anything, but I do not want those things in my name nor have my credit be so bad. She does not know that I know about the other cards I have yet to tell her. I am really trying to get a car and this has made it very stressful and complicated. What can I do?  <response>: You should cross post this to rlegaladvice. That sub is more for legal issues which yours appears to be. 