<prompt> Human: My parents are both financially responsible but for personal reasons, dont have the credit they need to buy a house of decent size. They both work tons, they splurge a bit during holidays, but as far as I know arent in debt. They havent worked on their credit as much as I have, so they want to use my credit to finance a home mortgage for a better home. I am over 20, have a full time job, and make around 3kmonth with a couple thousand in savings. I have enough to move out but I really dont want to yet. They are getting upset with me and making me feel guilty for not doing this for them. I have lived with them my whole life so theyre making me feel like I need to do this for them. I feel like they would kick me out and be very upset and not talk to me if I dont do this.Again, they arent really financially irresponsible so I dont think they would have trouble paying, it just scares me to have this mortgage on my credit. Nothing about their personalities makes me think they would ruin my credit.1. How long will this mortgage stay on my creditaffect my credit?2. How will it affect my credit? Will it keep me from getting a future mortgage with a significant other in the future or a new car or anything?3. Is this absolutely something I should not do?4. How do I say no if this is something I should absolutely not do?  <response>: How long will this mortgage stay on my creditaffect my credit?Until its paid off. How will it affect my credit? Will it keep me from getting a future mortgage with a significant other in the future or a new car or anything?Probably. Itll count against your debt to income ratio. Is this absolutely something I should not do?This is absolutely something you should not do. How do I say no if this is something I should absolutely not do?Mom, Dad - I love you, but I feel entangling our finances in such a fashion would be detrimental to our future relationship. 