<prompt> Human: Im 30 years old, married, financially independent, 730 credit score. Student Loan debt around 65k, 20k of which is private student loan. I have about 100k of mortgage debt. No credit card debt- I use them to pay utility bills but pay off the balance each month.My family is going through a rocky patch. My dad recently died and my Mom, who always had a strained relationship with our family, has cut ties with me and my siblings in a very hurtful, sad way that I dont want to get into on the internet. We havent spoken in about 8 months. I miss having a relationship with my Mom but I dont expect to have one any time soon.I was looking at my credit report and saw a huge balance- which raised a red flag for me as my utilization is very low. Then I realized I am still an authorized user on my moms accounts- a 12 year account with a 4500 limit and a 15 year old account with a 6500 limit. I have been on them since I was in high school and I have never used them nor do I have access to the cards. I personally have three CC accounts- 12, 8, and 2 years old with limits of 4k, 8k, and 11k.Im not really worried about my Moms spending habits, but I do feel weird being an authorized user on an account with a person I dont have a relationship with. The age of the accounts and the utilization may be helping my credit score. This may be more of a personal ethics question than a personal finance question: Should I ask her credit card providers to remove me as an authorized user because my mom has cut ties with me, or should I just not worry about it unless her spending habits change for the worse?  <response>: As an AU, you can call the card company and asked to be removed as an authorized user. Id just remove myself. You personal accounts have enough age on them that your score shouldnt be affected too much. Plus you already have a house, so dont really need a much higher score until you look to move or finance a car. 