<prompt> Human: My mom has multiple store credit cards and she also put me on all of those accounts when I was 14, therefore I had a card for each account. She claims she did this so I could use my card if I was without her or she didnt have hers on her. I dont think I ever used my personal card because she kept them most of the time. What I didnt know when I was 14 because who does? that it would affect my credit score terribly since she never pays them and keeps them maxed out. Im in my early twenties now and after looking at my credit score doing a little research, I realized why my credit score was so low: those accounts. Is there any way I can close the cards in my name on her accounts without her consent? We arent on the best of speaking terms right now I know she wont close the cards in my name if I ask. Any other courses of action? Am I just fucked for the rest of my life? Thanks!  <response>: You can remove yourself. Just contact the banksThe cards will vanish immediately and your credit score will reflect only your activities. 