<prompt> Human: Im not too familiar with how credit scores work, as Im new to this adult thing. My parents put me on a credit card of theirs, maybe a year and a half ago. Ive never used a credit card before, nor done anything related to credit. They told me they did this to jump start my credit. Which, kind of worked.One year after that, I was applying for a car with a 760 score, which was in July. Fast forward, Ive been making payments a week ahead of time, still dont have a credit card, and Im applying for a house for rent. Waiting to hear back, I get curious on my credit score. Via Wells Fargo and Credit Karma, I got two different scores.Wells Fargo told me Im at 630, while credit karma told me 670. Both below what I was at before, by a wide margin to my knowledge. I alerted my parents, who are now separated and was notified that my mother hasnt been paying her car payments for 3 months.To which, I need guidance on who to speak to about getting off that card. My parents arent emotionally stable, nor Have time to deal with it, so I feel the need to remove myself. Will it knock my score down if I remove myself from their card? Should I be worried about anything? Tips on first time credit cards would be much appreciated, too!  <response>: Remove yourself from their account and get a credit card of your own, perhaps a secured card if you must. Start by giving the bank a call. 