<prompt> Human: Currently, I am a authorized user under my moms name. This was helpful 3 years ago when I didnt have a line of credit, but now I feel like it is really hindering my score. My scores have gone down considerably, by about 40 pts because her utilization has gone way up and she has almost 10k in debt. I dont want my score to be affected anymore, so how do I remove myself from her credit score? And is there a way to repair the score? I pay my credit cards on time and have zero debt, I feel like its unfair for my score to go down when I didnt do anything. Thanks  <response>: ask your mom to take you off that card. just be aware that if that line of credit is older it may lower your score since your oldest account with then be the 3 year old card but will be worth it so youre not linked to your moms score anymore. 