Got my credit report, what next? Pls Help

Bluedroog

I had probably a year of irresponsible credit card spending when I turned 18 and now at 27 it is still have a major impact on my life. At the time I had two credit cards, one from my bank and the other pushed on my while I was at the supermarket shopping. (That really got as an attractive woman came and asked me my name, of course I responded and she whipped out a clipboard and asked my address - cheeky tactics that!) In total I maxed two cards at £500 pounds each. One I paid off in full and never used again, the other I could not afford to pay and just ignored (I know, you don't need to tell me...) Being young and foolish and a couple of house moves later I thought it would never catch up with me but of course they always do.

They stopped sending letter to me years ago but since I've not been able to sign my own mobile phone contracts, have only the most basic of Cash cards they basically give to children and can't even shop online. I've become used to it but it is hugely frustrating and with one eye on the future I could never even consider a mortgage under current circumstance.

I recently ordered my Experience credit report and it as I knew was that credit card that was holding me back. Thankfully the interest only went up to about £700 or £800 ( I had feared more) before they stopped but even though I'm now earning my disposable income is still almost non exist and, I live month to month and my bills and rent are already such a burden.

Is there any advice people can offer me? Is paying the bill off the only way forward? I'd love to be able to get a phone contract and start building up a decent credit score. At the moment I can't even get a debit card so how am I suppose to get contracts etc to improve my rating? My view of money and my general responsibility is almost unrecognisable from that of an 18 year old me but I've learnt the hard way and am still paying the price. Please, please help!

Many thanks in advance for any advice.

DarkConvict

When did you last make a payment on this credit card? if over 6 years ago, the debt is statute barred anyway (They can't force you to pay, unless they have a CCJ already).

You should be able to shop online with a Barclays CashCard or CoOp CashMinder accounts. No overdraft but have visa debit cards.

I would honestly have expected this debt to have disappeared from your credit file and no longer having an affect.
I am surprised how much it has affected you and for how long, considering it is in reality a small debt.