It's one thing to see a debt you recognize on your credit report. It's another to find a debt you never took on — and shouldn’t be responsible for. That's what happened to Amy from Minnesota, who called into The Ramsey Show for advice. [1] Amy and her husband had worked hard to get financially stable. They'd built up an emergency fund and were ready to buy a home. But when they applied for a mortgage, they were shocked to find a $17,000 debt listed on Amy’s credit report. The debt came from a credit card ...