<prompt> Human: Hello! When I was 17, I was added to my moms Macys card as an authorized user. I guess there was an instance where she paid late and now it comes up on my credit report. Its negatively impacting my credit score because my ratio of retail cards to regular cards is too high and that late payment was made. I never once used this card or paid for this card. Can I get this late payment removed or is it stuck there because I am an authorized user on the card?  <response>: You are free to request that any authorized user account be removed from your credit history. Just contact the credit bureaus. 