<prompt> Human: So for lots of reasons Id rather not go into here, my parents are likely going to have to declare bankruptcy in the next few months. Theyll be doing Chapter 7 bankruptcy at this point. Im in my late 20s now and have been completely independent of my parents financially for the past five years. Problem is when I was in college I worked for them and they helped me out by giving me a credit card that I would run errands with, get groceries and gas, etc. I havent used that credit card for years now. I did use a costco card that we shared and I would cut them checks every month to cover my share of it up until about last year. So I recently looked up my credit history from one of the three agencies and discovered that a lot of that debt is listed under me too. Ive been keeping my personal finances pretty controlled, no credit card debt or outstanding loans currently, so I was surprised to see per my credit history I have a lot of debt. Am I screwed here?TL;DR: Parents declaring bankruptcy, I have shared financial accounts with them from years past. Am I fucked?  <response>: As long as youre merely an authorized user where you used the account and it shows up on your credit report, but have no liability for the debt it should be easily disputed for removal. Until removed, it CAN impact your score.You might want to ask Creditboards for specific advice on how to dispute as theyre more experienced at such matters. 