<prompt> Human: She added me as an authorized user. Her reason was to help build my credit. Fast forward to now, I actually know what credit is, but Ive never needed to use it till now, go to look at my credit score and its under 600. It shows the reason to be the 8000 credit I owe.What can I do to fix this?  <response>: Have yourself removed as an authorized user. Mom can do it or you can call the credit card company and do it. 