<prompt> Human: I have made some big changes to my life, namely by choice significantly lowering my income, selling my house and getting a divorce. I did some living off gridvolunteering for about 2 years but Im back in the job force again hoping to go back to school soon. I opened a new bank account that came with a free credit monitoring service and thought Id go ahead and run the report. I was never really sure what my credit score was but I was pretty sure it had to be good. Ive held two mortgage and several credit cards and have never defaulted, or even been late, on anything. I know my husbands credit was spectacular and I never had any trouble getting good rates so I just left it alone.When I checked my credit score it was 641 with a message Total of all balances on bankcard or revolving accounts is too highAvailable credit on your open bankcard or revolving accounts is too lowNo open real estate accounts in your credit fileThe date that you opened your oldest account is too recentThere was nothing in collections and no missed payments or anything red as I suspected but I noticed I am still listed on 2 of my ex husbands credit cards. One has an available balance of 20,000 with a zero charge. The other one also has a 20,000 balance but with more than 19,000 charged on it. Im assuming he paid the balance of his car off if he was getting a good rate on the card.My question is are these cards under my name hurting my credit or helping it? He left me on them on purpose we had this discussion a while back and he was worried about emergencies etc. and Im not worried at all about him missing a payment. Is the problem that I have such a large debt compared to my current income? Can Equifax even see that? Would it be better to have myself removed and start my own credit card and use it for purchases to be paid off at the end of every month instead? Would it be possible to even get a decentish cc with such a low score?Edit: I was a co-owner on the account that had a balance but he has called to have me removed. They said I would still be responsible for charges up to this date but he had already planned on paying it off in full in about a week when some stock sales go through. He isnt sure what the other card is, the one with zero balance but says we can leave it if its possibly helping my credit. Again, Im not at all worried about him defaulting or missing payments or anything.Should I go through the extra trouble to get myself removed from that card? Is it possibly hurting my credit to have such a large available credit limit? How do I get my credit right again?  <response>: Regardless of any impact on your credit score, it seems crazy to keep this kind of financial tie to your ex-husband. If I were you I would definitely get my own cards and completely sever this connection. 