<prompt> Human: I just learned this week that Ive been listed as an authorized user on one of my parents credit cards, for the last 10 years. It was helpful in high school or college for emergencies. Problem now is that its carrying close to a 35k balance, and its affected my own credit.I recently tried applying for a personal loan -- to consolidate some of my own debt and pay it down quicker -- and was denied. Realizing the high balance card was probably why. I got my parents to take me off as an authorized user, but am wondering if theres anything else I can do to improve my credit and recover from this quicker?  <response>: It recovers as quick as the account is removed from your credit report. 