<prompt> Human: Heres some backstory: My mother died suddenly at the end of June. Im 20 and was living with her but I cant afford to stay in the house Im currently in so Im trying to find my own place. I was informed today from the loan officer Ive been talking with that I am apparently an authorized user on two of my moms credit cards that we stopped paying for after her death and has been destroying my credit score. I had no clue I was an authorized user on either card. Any advice on what I should do next is very much appreciated.  <response>: You call the credit card companies and tell them to remove you as an AU. 