I am sorry to say that you are misinformed. Be an authorized user makes no difference if you are married or not.
I work in the debt resolution field and know for a fact that what you say is incorrect after consulting and helping thousands of clients out of their debt situation.
I do appreciate that you have shared your views, based your opinion is not based on fact.
You use that fact that your father’s credit doesn’t affect yours. But you also mention that you were 15. That is more the reason than anything else, as legally they couldn’t come after you unless your were at least 18.
Of course presumes that your father has defaulted on his debt, if he hasn’t there would be no reason for it to show negative, right?