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So when i was a teenager i went to open a bank account with my father at BOA (highly regretted it ever since) with a security deposit of $500. I had a bad payment status for 30-59 days and the account was closed by the credit grantor but only after i payed off the balance (they allowed me to pay off the balance by saying i had to make payment to use the card again and after i did they said i had to call a service representative) . I should have been more responsible on checking my balance since it was below $500 and thinking back now i was told that even though i payed off the due amount i would not be getting my deposit back, so me being a irresponsible teenager i just wanted to hide this fact from my parents. Moneys tight right now for my family so i was wondering if there was anyway to recover this $500. Is there any steps i should take to gather information regarding this ie the credit card terms and service before i try to dispute the fact? Would i be able to remove this remark from my credit score? I know this is a long shot but any information would help. Its been 4 years since then and the account was open for around 7 months. The year was opened on july of 2016 and closed feb 2017. Has anyone else had any experience with something similar?