Alright ladies, my parents and my high school never taught me anything about finances so im super confused. Im 25 and my mother put me down as a cardholder on her credit card a few years back, so I ended up getting the same credit score as her. It helped me get a car and a few other things I needed. However, our score use to be at 750 and has dropped down to 620. She has 6k in credit card debt from buying a bunch of unnecessary crap she doesnt need and then wasnt able to pay it off.

Im trying to get a apartment or a house for rent with my bf, but im worried about how the score is going to effect that. Plus I get denied for every credit card I try to apply for. It seems like its dropping more and more each month and im not trying to have crap credit when none of it was even my fault.

So my question is, if I were to be removed from her card, would I be able to keep the current credit score and build it up myself, or would it reset me back to 0? Any advice on how to build it up quickly?

Edit: Thank you all for responding! I have Chase bank so im going to make a appointment for this week and get everything straightened out. I've always talked to my mom before making any purchases using the credit and I always make my payments early or on time so it shouldn't be a problem for me to build it back up. I dont have any loans or anything so hopefully I can get my stuff back up to paar. I appreciate the help and advice from you lovely ladies, much love 💚