Got a quick question: Which would you say is better visa or Discover Card? Looking forward for any answer or 2. My 2nd question... Hi all!.

In 2000, I received a JC Penney card (GEMB) while working there at age 17. By the time my mother found out, I was 18 and had reached the $1100 limit. My mother paid off the card, and destroyed it. A few years later, I received a new card in the mail. I maxed the card out AGAIN, but made my monthly payments until I was unable to work (pregnancy/bedrest) in 2006. I disputed this debt in 2008, stating that I was a minor when the account was opened, and the debt was removed from my credit reports.

Is this debt valid? It is not on my credit reports so far, but I am due to close on my house in March, and can't afford to have my score dip any lower..

Any advice would be greatly appreciated......