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Daughternlaw

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user on family card
As a user on mother n laws card my score goes down every time she takes a loan so am I in any way responsible for paying this debt under any circumstance?

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If you are a user on the card, and not a co-signer, co-applicant, you have no legal requirement to pay this debt.   You can stop your score from being effected by requesting of the bureau that this be removed and request of the credit card company that they revoke the authorized user priviledge.

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