when an account reaches 18
you need to promote the account with a creditcard
if you went with the default date 1999 then well you will wait another 7 years
btw even if you change the windows live id to an adult account that will not affect the age of the gamertag
check the family settings on the console
if they are there then you are under 18
goto guide
all the way to the right
goto account management
if the promote child account is there then you can promote
MS cannot test EA profiles
that is EA's property