<prompt> Human: Throwaway account because I dont want it attached to my main. Backstory: I turned 19 the age of majority where I live earlier this month and I filed an Equifax report because Im interested in applying for a credit card ideally to build a good credit score. Currently, I have a near full time job and Im going to full time uni relatively debt free. Currently, I have 150 in Provincial student loans and the rest of my tuition costs so far have been covered by scholarship and grants. However, credit score is 494 and there is a collection record on my account for Shaw Cable through the collection agency NCO Financial. The amount due is 924 dated for 2014. In 2014, I was 16 years old and my understanding of the law is that minors cannot enter into contracts. I never signed up for a Shaw Cable account, but I believe I know what happened: In 201314, my aunt was paying for internet for me because my mom couldnt afford it and I fear that she might have put the account into my name but my mom was expected to pay for it-- which she clearly didnt. Am I liable for this amount even though I was underage when it was put in my name? How can I go about clearing this? A lot of the information in the PF wiki is American-based I also want to make one thing clear, I cannot expect my mother to clear this debt for me because she doesnt work and lives off social assistance. She is not good with finances as might already be clear and I have barely any personal savings because of it I often end up buying foodpaying bills. I also cannot afford to pay this 924 currently. Equifax says that debt goes away after 6 years. Is that correct? Is there a penalty if I ignore this debt? I would rather like to dispute it because its been incurred wrongfully, but I am just curious. With this credit score would I be able to apply for a credit card? One targeted at students? Money really stresses me out and causes me a lot of anxiety, so Im having a really hard time with this. Edit: I want to clarify something, I am relatively responsible with money. I dont drinksmokedo drugs and I dont spend a lot of the money I earn. I am currently making around 1300 a month before taxes and Ive been trying to save money, but I have barely been able to because I always end up being the one to make ends meet in my household. Im the only child of a single mother so its sort of an obligation-- I hate it, but there is nothing I can do because I cant afford to move out. Im paying 450 13 of our rent plus utilities another 100 which is cheaper than Ill find anywhere else in the city I live in with its below 0 vacancy rate.  <response>: Went through the same issue with ATT. My mom had opened an internet account with my info when I was 16.They dragged their feet for months until I finally called up one day and said, I was a minor when this was opened, and I can easily prove it. I want this account closed and collections removed by the end of the week or Im going to start a legal shitshow over it.It was gone by the end of the week. 