<prompt> Human: My mother has used my SSN and I am 20 years old. I have a part time job to pay the rent, and I have no other kind of incomemoney.I have a 512 credit score now and am owing 2,603. I have no idea what to do. Will this affect where I am renting? I pay the rent on time,ect.  <response>: Your mother committed fraud. There are really only two options here: 1 Dispute the account she opened in your name as fraudulent. Youll likely need to file a police report about it. Doing so will have the account and the derogatory marks removed entirely from your credit report. However, your mom will get in trouble for doing thishow much so I cannot say. 2 Eat the debt and the derogatory marks. If you do nothing, you are responsible for the debt, and will continue to face issues with your credit score until you settle it, or until it falls off your report seven years from the original date of delinquency. Will this affect where I am renting? I pay the rent on time,ect.No, but having such a low credit score could certainly make it more difficult to get an apartment in the future. Most landlords or rental management companies run credit checks on potential applicants. They could reject your application, or you may have to have a cosigner or put down more money up front as a security deposit. 