<prompt> Human: First time checking my credit report. I found a ton of addresses associated with me and credit cards where I was an authorized user that Ive never seen. I vaguely remember one or 2 being emergency cards my parents gave me.However none of them have missed payments. But only because my parents paid the minimum payment to get by.Theres a few cards that add up to quite a bit of debt that arent mine. My parents say they have it under control, and my credit report says no red flags, my credit report is fine apparently. Should I dispute anyway to take them off my record? Does it hinderhelp me anyway? Sorry I am clueless about this, just stumbled upon this while preparing documents to rent my first place  <response>: They have you as an authorized user. You can remove yourself at any time by calling up the credit card company and requesting to be removed. It will disappear from your credit report. Authorized user status can help or hurt you depending on the status of the accounts. I would suggest making an account on credit karma and see what your score is and what your credit factors are. You can also try and get your Fico score somewhere. A number of banks and credit cards offer access to it for free. 