<prompt> Human: I am currently sitting at a less than desirable credit score. When I was about 161718 Im 20 now, since I had a clean record, my mom used my SSN to get accounts at several different places without my knowledge and without my permission obviously I found out about all this earlier this year. One of the accounts she opened was a credit card. I took control of it and paid it off.But now around a week ago, I was sitting at 4,771 in debt. Now Im somehow sitting at 2,637. My Capital One app is saying, 1 derogatory account is no longer on your credit report. I dont know what exactly it was that dropped off, or even how it dropped off, but regardless Im happy it did. That still leaves me with 2,637 in CHARGED-OFF debt. The debt being charged-off is why I dont know what I need to do. Some stuff Im reading is saying that even if I pay everything off, it will still be on my credit report and will say that its paid in full, but was still charged-off at one point and that will still be on my report for another 7 years. Then other things Im reading say that its worse to pay off charged-off debt. This is seriously affecting multiple matters in my life right now. I dont know how much longer my car that I paid for in cash is going to last me, and I cannot get a loan of any kind to get another car. I have tried to get a personal loan. The lender told me that my car would have to be used as collateral so he asked me the year, model, mileage, etc... and said hed get back to me. He called me later that day and told me that my car isnt worth enough to be used as collateral, therefore he cannot move on with the loan. When I had first applied for the loan I asked for 5,000. They took all my information and offered me 4,000 as long as my car wouldve been worth enough to them.The other matter is that Im stuck between moving up the ladder where Im working at now, and going back to school. I really want to go back to school and get my degree, but at the same time I want to save my money up and do whatever I need to do and make my credit score better.Thank you to everyone in advance. Assistant: Report the identity theft.It really is unbelievable how often we hear stories of parents completely screwing over their childrens future like this.Human: Ive thought about it, but regardless of the shit she pulled, I really dont want to press charges on her. Assistant: Which is exactly why she did it.Human: And what kills me is that she is trying her hardest to deny it. Every time I bring it up, she gets in a pissed off mood and tells me that she didnt rack up that much debt, that most of it is late fees and charges. And Im like, well duh because you didnt pay on any of it but thats besides the point. It shouldnt have been done in the first place.  <response>: She is manipulating you. And if shes not showing any remorse, rest assured she will continue to steal your identity going forward. Still might happen even if she does show remorse.It sounds like you dont plan to make her accountable for her previous criminal behavior, but you should make it crystal clear that if she steals your identity again, you will go straight to the police. 