Hi... basically I was messing around one day and an order went through my paypal that I didnt have the money for.. it's connected to my debit card/bank which reversed so my paypal account is now in negative... I got a letter from debt collection and was supposed to send proof of being under 18 but never got round to it and now I'm 18... is it possible that this can effect my credit score??? If I send them the proof nowof my age of the time of the debt..... will it be cleared if it's on my credit?