<prompt> Human: I posted with a throwaway about how I checked my credit report and found that there were some negative marks that were dropping my score down quite a lot.I cant find that post or account now sorry but now I have an update: it turns out they did not create the accounts in my name, but put me on them as an authorized spender for the accounts. So I am not legally responsible to pay back the money but it shows up on my report, from what I understand.I have found a lot online indicating that I can get it removed from my credit report if my parents opened them IN MY NAME, but I cant find anything about what to do if its authorized spending cards that are hurting my credit.Can I still do something about them and what is that process? If someone could link me to a good resource that would help, I couldnt find anything good on Google, it was all about cards in your name, not this situation.  <response>: My dad had me as an authorized user on one of his accounts. I didnt have my own card or anything special, but if the merchant had to call for a voice verification or whatever, I would be given the green light. Five years later and I cant get a gas card from the company I work for. I pull my credit report and theres that credit card. Which was weird considering Id given my dad the money to pay it off. So I file a dispute stating it was my fathers card, not mine. Within a week it was off my report with the three majors. 