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My quick question is I was a victim of identity theft. I found out at 18. My mom had been

using my social security number since I was two years.

Found out at 18 when I went to go get a car and they wouldn't even touch me with a co-signer with an 800 credit score. No money down. Found out I had $186,000 in credit card debt just

alone. Wait, say that again, Jessica. A hundred and what? $186,000 in credit card debt just a loan. Wait, wait, say that again, Jessica, $100 and what?

$186,000 in credit card debt.

That your mom racked up?

Yes.

Oh, Jessica.

How long ago was this?

Oh, my word.

I mean, all the way back to 2005, the most recent one was in 2021, which was right before I was 18.

And I got it with an attorney and we got my credit wiped. But what it left me with was zero credit history and horrible credit score.

Not even a not even a secure credit card will touch me now. I have a significant other.

We're not married, but we have gone to plenty of financial advisors, and we have been told

both that our best option is to get married because, again, I can't get even a credit

card in my name.

I'm an authorized user on only one card, and I can't be an authorized user on a lot of other

credit cards.

All right, Jessica, sit down.

I'm just stuck.

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