[papasoul]

How can I clear my credit? My mom had me as an authorized user on one of her credit cards since I was in college. She has defaulted and is now in collections .. yet it shows on my credit reports and keeping me from getting credit. I understand that I am not legally responsible yet I am getting penalized because it shows on my credit. How can I get that removed? I already tried calling the credit card company but they will not talk to me because the account has been charged off.
Any help would be appreciated!