I'd show that collection to your mom, ask her what happened, and work with her to help you pay it. If it's your bill and keeping you from getting a house, I think she should supply some answers. If you have anything else in your name that she's using, shut it off.
625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700 Seedling again as of 07/29/14
