<prompt> Human: I receive my credit score along with my credit cards monthly statement. I noticed I had missed payments affecting my score, but my credit card is the only payments I ever make and I havent missed one. I learned that my parents had taken out loans in my name and as a result of the divorce, my dad stopped paying and my mom stopped in spite of him. My score dropped from the 700s to the 400s because of this.Im trying to go to college undergrad and hopefully vet school and move into an apartment in the state I go to school in also to get away from my parents. My parents are the only family I know and they have shitty credit scores, so now I dont have any co-signers for leases and loans and I have no idea what to do. Any advice could help.  <response>: To get the marks removed youll basically have to charge your parents with identity theft. 