<prompt> Human: Hi All,So when I turned 18 years old, my mom signed me and my brother up for a Chase United card under her primary account. Today, Im 25 and looking to move out and start my life. Checked my credit score and it shot down from 765 last summer to 595. After looking into everything, I found out that my mom has been helping my uncle start his business over the last few months and there is a total balance of 41K on that primary card; credit limit is 26,000. I dont receive the monthly account statements or anything so I felt like I was doing everything right. Is there anything I can do to get my score back up? I feel like Im shit out of luck... Assistant: Is the credit card under your name or are you an authorized user? If it is under your name then youre SOL. If you are just an authorized user then have your mom remove you from the account.Human: Im just an authorized user on my moms account. Removing me from the account will remove me from the debt?  <response>: Yes 