<prompt> Human: So my SO is listed as an authorized user on an emergency credit card opened by their parents when they were in high school. I noticed that the card referenced has racked up about 10k of debt. I am assuming this is hurting my SO credit score. We are going to have the parents remove my SO as an authorized user on the card, but are we going to be responsible for any of that debt? If my SO is removed from the account, will the debt be removed? FWIW none of the debt on the card is from my SO.  <response>: An authorized user is not responsible for the debt on the card.If he is removed as an authorized user the entire cards history will be removed from his credit report.Whether that helps or harms will depend on the exact circumstances other credit your husband has, what the amount of available credit was on the parents card, its account age, etc. 