Hopefully someone in our wonderful Kings community can help me out here.
Many years ago, my mother added me as an authorized user on one of her credit cards. Once she did, it started showing up on my credit report. She never kept a balance on the card until a few years ago. Until then, the age of the account helped my credit score, but her large balance is dragging my credit score down now.
I asked her to take me off the account as an authorized user. She has called the bank three times since then. They keep telling her I'm off the account, but the card is still showing on my credit report.
I want to refinance my mortgage to take advantage of the low rates, but that card is killing my score. Does anyone have an idea how I can get this card, which I am not financially responsible for, off of my credit report?