<prompt> Human: Six year ago, my grandfather died, and I closed a credit card that was in his name. I never looked at the bill, and was told that because he had passed I did not owe anything. He had at one point given me a card with the same number as his with my name on it though, but it hadnt been used in years. Anyway, I opened my own credit card last year, and noticed that there was 5500 dollar hit on my credit rating report they offer. After investigation, I found out it was the company that financed his card. How should I best proceed? I mean, if I have to start paying this thats ok, but I dont know if its a misunderstanding or what to do in this instance. My credit rating is 750 according to the company Experian that capital one offers a report through though.  <response>: Call them up and ask to be removed as an authorized user, if thats what it is. 