WARNING: LONG, LONG POST! Good Morning All Right then, I'll start at the deep end. When I was 15/16 I **stupidly** took out 2 mobile phone contracts, and lied about my date of birth. Yes, I hold my hands up - I AM AN IDIOT. Now then. I paid the bills for a while, then stopped. I started to get letters from debt collection agencies, asking for money. About £200 and £300, respectivley. I sent letters and copies of my birth certificate to these companies, as they said if I could provide proof I lied about my age - the accounts would legally have to be closed - as Orange should NEVER have provided me with the contracts, since they are meant to do a credit check. I did feel bad - I'd lied, commited fraud. But, that was that. When I turned 18, I got a T-Mobile contract - all totally legit - and still have it running now. I'm about 6 months past 19. Despite the fact I got the T-Mobile contract (its one of those 1-month contracts, not a 12, 18 etc) I still couldn't get a credit card with a £200 limit. I wanted it for security and emergency purposes whilst travelling Australia. I got denied. On about 4. Some were for bankrupt people, which had like 39% interest! So clearly, my credit rating is buggered. Before I left the UK, I made sure that I got letters in writing, from Orange and the debt collecting agencies that I didn't have to pay anything. I also paid £2 for a copy of my credit file - which came back blank. But still, no credit - on anything. I can't even get a £20 overdraft. While I was away, my Dad decided to go snooping through my things and basically re-opened my Orange account - and started paying it behind my back. Now, my Dad, despite having money - is by far from being a good, realiable payer. So, I've come home, and now found my accounts re-opened, and one owing £150 and the other owing £100. He's also missed a few payments on them - which affects me further. I ALREADY HAD LETTERS SAYING THE ACCOUNTS WERE CLOSED! ________________ So, fast forward to today, and I tried applying for a Virgin Credit Card - simply, out of interest. And, I got declined at my address (where I live with my Dad - I have a bank account registered there) So, I tried my Mums (again, I have an account there). When it came to my Mums, they said they'd consider me, and needed to call them. They said it was declined based on some mobile phone contracts, linked to another address - where I live with my Dad! So, my questions for today, are: How did the people from Virgin credit cards link me to my other address? I wasn't trying to be fraudlent - just curious Secondly, he was really nice, he said I wasn't registered with the Voting System and this helps with credit scoring. Should I register at Mums (no previous bills etc) or my Dads (were the contract hell started) He said Equifax said I defaulted on £319 and £229 to Orange PLC - something which no one has told me before. He said the reason MY credit report came back blank is because its from Experian - NOT Equifax - where my current defaults are being held. But, the bills aren't that much now my Dad has re-opened them and lowered them to £100 and £150. How can I update that? If I pay both of the remaining bills off [at the end of this month] - does that mean I can get credit? Should I remove all current traces of myself from my Dads address - register for voting at my Mums, and only use the bank account I have there, after paying off this £100 and £150? If I send the letters I have from Orange and the debt companies saying I don't have to pay, to Equifax and Experian - can they undo whats currently showing on my account? Is being linked to my Father, at his address, making my bad credit worse? He has a CCJ. Did my Dad worsen my credit by re-opening my debts after they were 'written off'? Worst case scenario, I pay off the £250 total, register for voting at either Mums or Dads - how long will it be before I'm considered 'safe'? Can someone suggest a way to rectify this hell? I want to sort it out, forget whats happenned, and move on the best, quickest way possible. I've grown up and realised I did a stupid thing I understand what I've done wrong. I just want to know that I *can* go out and get a credit card if I need too, or when I go to Uni next September, I *can* get the overdraft I'll need. At the minute I just feel I've screwed my whole life up for £500. I mean, I know people who've gone bankrupt over like £50,000 debts and *still* managed to get Porche's on credit and all this crap. I can't even get a £200 credit card. I really appreciate any help with this issue. Thanks Guys and sorry for keeping you.