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The Moneyologist: My mother spent thousands of dollars on credit cards opened in my name — should I report her?

Terrence Horan/MarketWatch

Dear Moneyologist,

I have a very serious problem, and I’m not really sure how to handle it. Several months ago, I found out that my mother has been using my credit to open accounts since I was 9 or 10 years old. I’ve found out about 10 or more accounts so far with up to $5,000 in debts. They’re all delinquent/unpaid and affecting my credit negatively.

Everything that I’ve done on my accounts is good — on-time payments, not keeping high balances, paying things off, etc. — I’ve called all of these creditors and explained the situation and requested that they remove these accounts from my credit.

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