<prompt> Human: Long story short, I was 18 and my then bf listed me as an authorized user. We broke up a year later and I didnt actually think of calling the bank to remove myself BIG mistake!. Fast forward to 2015, my score was 740, mainly due to me following some good credit advices Ive received along the way, but of course, thanks to his initial help as well.Now, the kicker. I went to rent an apartment today and needed a credit report. I ordered one online and got back a report with a score of 520! Apparently, my ex had fallen on hard times over the last year and had multiple late payments with a pretty big balance still left on the card.Here are the steps Ive taken so far.1. Ive called the bank and removed myself as an authorized user. The bank removed me from the account and that they will begin the dispute process with the bureaus. They said they will send me a letter in 10 business days as proof. Now that I think about it, the letter might actually go to my ex and not me -- as I didnt specify my mailing address.2. Ive started looking into different credit monitoring services so that in future, I can monitor my score report on a more regular basis.Any other advice on how to fix it would be VERY much appreciated! I know Ive been an idiot and Im learning this slowly. Should I call the bureaus to start the dispute in parallel to the banks dispute? Is the dispute even going to fix my score different online articles claim different things? How long would it take for me to actually get back to a decent score to rent an apt?Thank you SO MUCH for any guidance you can provide! Im really flusteredangry at myself.  <response>: Once it is off your reports, it wont effect your score. The bureaus will remove it because it is not your account. Normally I think you would dispute it, not the bank. 