I have XXXX credit cards that I am only authorized user on and they report it on my credit report which is affecting my credit score b/c it shows up in my balances and history. This was my ex-wife 's accounts and she was late on paying them. I am not legally responsible for the debt and do n't feel it should show up on my credit report. I would like for them to be deleted off my credit report and update my credit score. If the only way they can do that I want off as authorized user and it deleted from my record.