<prompt> Human: I dont want to sue themreport them because they are my parents, but I dont have many options here. My bad credit is keeping me from getting an apartmentfinding roommates who trust me. It also isnt helping that I have a lot in student loans I dont start paying until November when the grace period ends.What are my options? How can I get these bills removed from my credit history short of getting my parents in legal trouble? Sorry if this is the wrong sub, I am just kind of desperate right now.  <response>: This is tough, but you probably should report the identity theft.If you paid everything, and it took 7 years to normalize your score things drop off after the last payment on the debt, NOT the date it was charged, youd be back to where you should be. Youll always be 7 years behind where you could have been.If you do not report the theft they did steal from you, in a very big way, it will effect your insurance rates, mortgage rates, credit cards, everything from now on. Its already effecting you badly. You could solve this tomorrow if you wanted to.Tell your parents that youre sorry, but you have an adult life to live now, and that means you have to act like a rational adult. 