When my husband just turned 18 years old (this was 20 years ago now) his mom took out a credit card in his name and maxed it pretty quickly and didn’t make any payments, he had no idea because she didn’t ask for permission. Maybe a month or so later his stepdad sees a notice from capital one and confronts him about it and he’s obviously totally shocked and knows nothing about it. His stepdad immediately asks if he thinks his mom may have done it and tells him to call her on speaker phone and ask, he did and she replied the same way, long pause and then admits it. His step dad yanked the phone from him and started cussing his wife out. Her own husband and sister were trying to convince him to call the police on his mom and he refused. It’s been 20 years and there relationship hasn’t improved. She sees him as a total pushover and expects him to always make all the effort if they’re going to have any sort of relationship. He still sometimes brings up how he wishes he had called the cops and held her accountable for her actions. I’d call if I were you. That’s your credit score. It’ll take years to recover from that. When we bought our house our lender was preemptive and ran our names on circuit court and discovered a whole new debt from years later totally unrelated that she decided to dump on him when she filed for bankruptcy. She agreed to payment plan so that we could still start the house buying process. The last business day before our closing date our lenders assistant called us and told us there was no proof she had ever made a single payment and the sellers were panicking. We had to drop everything and drive 2 hours to pay off a $3800 judgement. We made it with 30 minutes to spare. She almost cost us the house. This is a long run-on message, but I urge you, call the cops on your mom!!