When my ex-fiancÚ and I lived together he opened a credit card to get a discount for items in out apartment. When the visa came in the mail I activated it and started using it and never mentioned it to him. I always paid the bill on time so there was never an issue. We split up and he ended up finding out what I had done. I agreed that I would continue to pay it off. I shred the card but it was still attached to a couple accounts and I would use it occasionally. Still paying it monthly on time. I lost my job and started making the payments late. I told him what was going on and he said he would pay it off if I would pay him back with much less in interest. Now he and I are in a battle over time with our daughter because he moved out of state for work and he is trying to blackmail me by saying that if I don't give him all school vacations and summers he will report me to the police and I would go to jail and he would get her all of the time. Well I have nothing on my record. Can he claim fraud even though he has known about this for 2 years?