<prompt> Human: So my mum defaulted on an account with some crappy furniture company, to the amount of 127. Only just found out after I thought itd be a laugh to check my credit score with Experian the other day assuming itd be perfectly mundane as I just have an overdraft Ive been living in as a student but who hasnt.So Im down at like, 608...which after some googling seems like it could mean some troubles with renting and Ive just realized this must have been why I Virgin wouldnt give me a phone contract.I know nothing about finances, basically. What do I do?  <response>: In addition to the advice already given, you need to find out if your mom has anything else open in your name. 