<prompt> Human: Ive been in the process of rebuilding my credit and have been paying my credit card down aggressively and I was pretty proud of seeing my credit jump to the next category. Well I just checked it today and it appears my dads lowes card is over max by 108. Which dropped my credit 30 points equifax. My question is how can I dispute this and remove it from my credit report? I do not live with my father and have no access to this card anyway.Edit: thank you for the responses. I filed a dispute stating it was a relatives account and explained my father used me as an authorized user but had removed me. I also spoke with my father to remove me from the account completely.  <response>: Just ask to be removed as an authorized user. 