<prompt> Human: So as the title states, Im 21 just moving out of my mothers house after realizing it was a toxic environment for me. She filed for bankruptcy in maybe September of this year, and I received an email from Credit Karma saying my credit score had dropped 100! points because of a Capitol One card she had put me on as an authorized user that she had maxed out, then stopped paying. Im freaking out because I had no clue she had put my name on this card at all and now my credit is butchered. I have a college credit card from Wells Fargo that is in my name only with an 800 credit limit that has Ive maxed out once since I got it about 2 years ago, but Ive paid about 300 of it off, so theres about 500 still sitting on there, which I know is messing my credit up further.I also have my car loan that I was able to get prior to my mom screwing up my credit that Ive never missed a payment for.Im currently an Uber driver because I need to make some money while Im moving, but the pay is inconsistent. I have customer service and receptionist experience and Im applying for jobs in the area Im moving to. My boyfriend is a supervisor at a warehouse and gets paid about 300 weekly, which is what we are living off of. I need to take out loans, but because of my credit situation, I cant! I have NO ONE to co-sign either. Where do I go from here, rpersonalfinance? I feel like Im losing my mind trying to salvage the pieces of my life and some support and direction would be greatfully appreciated. Im not in the best mental state right now, and Im trying to utilize my medical insurance before my mom kicks me off when I move to get some help. Thanks for reading.Edit: Im not really sure why Im getting downvoted so hard... I need help and support, not judgment. I know I made some stupid mistakes but how will I ever learn what to do if I dont ask?Assistant: Dispute the authorized user account from the credit reports.You dont need loans, you cant pay what you have now, you need a job or 3.Human: Thanks for the advice on getting the credit report. I need to call Capitol One as soon as possible to begin the dispute. Will it be as simple as removing my name as an AU, then my credit will no longer reflect the CapOne card, and just my own?Also, Im applying for jobs like mad, but I think due to the holidays Im not getting anything back. I mean, I hope its not because of lack of experience theyre looking for, because I have quite a bit.  <response>: Never call about issues like this. Send snail mail, sent certified mail with return receipt so that you have evidence that your letter was received.Do NOT dispute online. Dispute with a letter that contains your SS, current and past address. And you MUST get more income. As must your BF; 300 a week as a supervisor is terrible pay. 