Unless the cosigner is your mother ZERO! The bank will scare the potential cosigner away by reminding them that if/when you default on the loan THEY will be responsible.

There are a couple of things that you can do. First, contact all 3 credit bureau reporting agencies (Experian, Equifax, and TransUnion) They all have websites and on those you can also find their phone numbers. You can also request individual credit reports from them or order a 3-in1 report (this is the fastest and easiest way to get all the info in one shot/place). However there is a fee for the 3-in-1 but it's worth it trust me. Once you contact them, request that they put a fraud alert on your report (they do so by using your SS#) because of identity theft. Next once you get your credit reports there is a portion on them where you can dispute the information that is on your report and it will have a part where you can state I am a victim of identity theft. They will work with the places like Direct Tv and give them the information. The other option you have is that if you know who used your SS# to order these things and run up bills in your name you can take them to small claims court to get the matter resolved and once you have a judgement you can also send that to the companies to show that you are taking steps to clear up the matter. Once you dispute these items they will come off your credit report.