Credit cards I was listed as Joint minor? Help!

[novabama]

Hi guys, I am new here. I have searched all over for these answers and haven't really found anything like my situation. I have 2 things on my credit report that I am in question of. 

1. Discover card, balance 12,664--opened 1999-DoFD 01/2009-Charge-Off 

When I was younger my dad was out of state, so my mom added me to her credit card for when I was with him (she made much more $). I was a minor, 11 Years Old... Well a few years later she had some financial problems with her boyfriend and could no longer pay her bills she had normally been able to. This is now a charge off, she says I was just an authorized user on the account, but my credit report says a JOINT account. Can I even be responsible for this since I was not old enough to even have credit/card?! Also, this is the biggest thing on my credit by far and at 546EQ, 548EX and 589TU, I am trying to rebuild my credit from when my daughter's dad left. How badly could this be hurting me?

**I have already submitted an online dispute for this, but TU won't let me explain, so what are my chances of getting removed?

2. Chase , balance 0--opened 2001 CL 3,800, current, paid, paid as agreed CLOSED 03/2005

Similar situation, this was opened when I was a minor and closed when I was 17 years old. My question with this is that is it affecting me negatively, positively or just taking up space? If negative or taking up space, then I will have it removed because I WAS listed as only an AU on this account. 

Thank you for any help!!

[Shogun]

Definitely some legal issues in there involving your status as a minor.  By no way am I versed in the letter of the law but I find something amiss in your situation.  My suggestion is to contac the BBB and your State Attorney General in regards to this.   Hopefully someone with a little more knowledge of this will chime in but I do think those two agencies could be of help.

[novabama]

Thanks Shogun! I've seen your name a lot around here and I hope one day I'll be the one giving advice! For now, I will definitely look into that. My mom is willing to work with me to help get it off my report as well, so hopefully I'll get somwhere soon!

[Shogun]

Pay it forward!   Actually I do believe you have a very good chance of clearing this up. Keep us posted on your progress.  We love to hear success stories.

[novabama]

Yeah, I definitely will. I have A LOT of work to do. I have been putting it off for a couple years because it was just so depressing. Most of my items are from 2006-2008 when I turned 18 and got in a bad predicament with a newborn and no-good dad. I have been at my job 2 years and finally am at the point where I think I might be able to do some PFDs and get somewhere. I also got an auto loan (although at a RIDICULOUS rate, I knew I had to start somewhere since I have a steady employment and can pay bills now) in January 12 and it is listed as on time since so I know that has helped a lot! I don't even want to know what my score was before now, haha!

Thanks again!