Hi All I just joined this site after not being able to find an answer for my problem anywhere on the net. Basically, I am only currently 18 and have a default on my credit score from early 2011. I registered with Very when I was 16 in order to buy a dress. I can't quite remember how I signed up but do remember paying for the dress there and then and receiving it soon after. I also received a letter a few days later telling me I had a credit account for £150.00. Looking back, I now know that it is illegal to have a credit account under 18? Which makes me think it must of required a minimum age which I probably entered in order to receive the dress. Anyway, being younger and stupid, my mum asked if she could buy a few things using the account which I agreed to, not really thinking into it or about the future. She informed me that she'd pay it all back and as I didn't want the account (didn't buy from Very regularly) I just left it to her. Things happened at home and I stopped talking to my mum and was advised to move out by the police (can provide proof of this) and I moved on without even thinking about the account. Then around 3 months later I received an email from Lowell informing me that there was a debt of £270 which had been sold to them. I sent them an email in December 2011 which I received no response to. They sent me another email in April 2012 and being 18 now and understanding it more, I called them and explained my situation. The woman stumbled over her words when I told her my date of birth was only 1994 and she informed me that the debt would be investigated for the account being used illegally. She told me they'd sent many letters to my Mum's address which I obviously never saw, so I gave her my new address so they could keep me updated. I then never heard from then again, and still haven't. I've now come to apply for credit and been refused so I signed up to Experian and saw that I have a default on my score from 2011, from Lowell. I work in HR and have monthly income, and have done for the past 2.5 years. I pay my car insurance and phone bill every month without fail and so it's frustrating that I haven't even had a chance to obtain credit. (I'm aware that low age etc. is bad for credit too, but obviously having a default at 18 is bad!) Is there anything I can do to get this removed from my name? I don't really have a clue about this stuff so any help you could give me would be great! Thanks Laura