This is my first time posting here and I'm trying to learn how to handle my finances better, so I apologize if I'm asking dumb questions, but I just don't know what to do in this situation.
I recently ran a credit check on myself for the first time ever and my heart nearly stopped when I saw that there was almost 10k in credit card debt attached to my name. I found out that it is one of my mother's retail credit cards that she for some reason added my name to. I'm assuming she did this when I was a child since my mother and I have no relationship and haven't spoken in years. Because I'm embarrassingly ignorant about these things, I'm wondering if this has hurt or helped my credit. According to the credit website my mother has never missed a payment and has been steadily paying down her debt for several years. Does it hurt my credit to have so much debt, or does it help my credit because the payments have always been made on time? Since I am not the primary cardholder could I ever be liable to pay back the debt? Thanks in advance for any advice.
Submitted May 28, 2019 at 09:20AM by PearlStreetBlues http://bit.ly/2wnqodF
