I have banking problems. What should I do?

-When I didn't have a job, my mom had me get a debit card w/ $50 dollars on it. I made some horrible mistakes and got an $800 dollar debt. I haven't been able to pay this off because I've been on and off on jobs with like 4-6 month break periods and only working for less than 2 months part time (Somehow they kept saying they didn't need me... I worked hard though). I've finally gotten a job thats full time that pays pretty well.



Anyways... The account is closed and my job only does direct deposit. I just called and they said I wouldn't be able to do any banking with a closed account. How would I get passed this... I have a walmart money card.. But it won't process and give me direct deposit codes. This was my first pay on credit or would affect my sscore. Whenever I try to obtain a score it says I haven't got enough history for it.

What would my credit score look like. I've had this debt for two years.



Digressing, I somewhat really think my mom wanted me to do that because I wasa into poker(online) right when she suggested I get a debit account with no source of income. But I blame myself etc.