<prompt> Human: So my nephew is just starting out in life - hes in college, 21 years old, working hard, and surprise surprise his shitty dad at some point put some big unpaid bills in his name. Quite frankly Im a little surprised its just with one company - Id have expected this guy to have been doing this to all of his kids for their whole lives. Awful person, not somebody I have any contact with or control over in the least.So hes been trying to get a credit card and of course got denied; he went to his bank and they wont even give him their secured card where youre required to keep a certain amount in a savings account with them.Well, I told him that hes not going to like his options - assuming his dad wont accept responsibility, he can either dispute it which I dont know the process but I assume it would involve filing a police report which Im sure he wont do or dig out from under it. As far as I know hes received no communications from debt collectors or anything - the only place this is showing up is on his credit. Or I guess he can try waiting 7 years.So 1 am I wrong about what his options are, and 2 what can he do at this point to repair his credit? Is there a secured card he may be able to get if even his bank wont work with him? There isnt anybody well, anybody who would be helpful who would allow him to be an authorized user or cosign anything with him. I wont do it, I love the kid but no. Assistant: Another question - is there any way for the father, were he to be a decent human being and not a sack full of assholes with all the good ones picked out, to not just pay the debt but to file some sort of uh, yeah, that ones mine? Im guessing no or somebody would have mentioned it, but if there is a voluntary way to assume full responsibility for the debt maybe his arm could be twisted.  <response>: You mean getting him to voluntarily admit to credit card fraud? Good luck with that one.One thing I might as well ask: is your nephew a Jr.IIIshare his name with his dad? If yes, does the social security number attached to the debt match your nephews? If the answer to these is both yes, your nephew has a plausible case for saying thats not my debt because my dad and I share a name but thats not my social security number. Then the credit agencies have to correct the record since thats actually not your nephews debt. 