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poor credit history


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hi please help i have a very bad credit history i have never had a loan or credit card i once had a car in my name on hp but i was only 18 so my mum was my guarantor after 2 years my mum took over the payments and i gave her the money every month i was having trouble with my bank. Anyway i once defaulted on a mobile phone contract tried cancelling it but they said i had to pay the full amount which i didn't this was about 3 years ago and i havnt heard anything form them. when i went on to my experian credit report its marked as like number 8 which is causing my credit to be low even though i havnt had any which means i cant have an overdraft im only allowed a cash account cant rent another house what can i do?

 

any advise much appreciated

 

thanks

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