 My bank manager has requested to see me? |
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 How is everyone coping with the credit crunch? |
| I am finding that as a college student that prices of food is really expensive and travelling costs are rising so i do tend to walk more these days as i need the money. I find that shopping for ... |
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 Will it be difficult to buy a home if i have excellent credit and not have a job.? |
| i hate my job and i like to quit. but i also want o buy a home in the next six months . need ideas on how to make this work for me.... |
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 Can someone buy a house without owning a credit card? |
I heard that in order to get a mortgage, you need to have a credit card (not for buying, but for the credit). Is it true?
Additional Details
but that's what i mean, is it possible ... |
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 Old Debt collection? |
| I received a letter from a debt collector about an old debt... from about 1999-2000. I believe it should be dropped from my credit report by now but the letter says they have just purchased the debt ... |
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 Is this true that if you don't make any payments for 2 years ...? |
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Thanks for ... |
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 What is the best credit card? |
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| I am owed money by a company they are saying they are not paying me as they have not been paid what can i do ? |
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 Can you get cashback on a credit card? |
OK so money is REALLY low right now, and I had a thought of going into a shop and buying some random thing so I can get cashback from it.
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That Girl | How can you get a checking account when your credit information says checking account abuse? |
Okay this wasn't my fault but we had a joint account and we where hurting financially and my husband NOT me wrote some bad checks. We payed off the account and all the fees but now when I tried to open an account in my name only they say that we were reported for checking account abuse and they won't let me open an account. How can I fix this?? I didn't know he was writing bad checks!! |
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jannie
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your name was on the account also
you may not be able to have chequing priviledges |
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resasour
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go to www.accountnow.com you can open an account there.. |
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webworm90
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I read USbank will allow you to open a checking account. I think you might be limited to atm withdraw only account If your are on SS or SSI banks have to give you an account. This account is limited to only Atm withdraws at the banks atms. If you live in Indiana and are in area close to a Star Financial Bank. You might be able to get a Star First account with a debit card. They use telecheck not chex systems and they don’t do credit checks for that account. You can even get a check card. The Check Card does not have a pin transaction fee-yet |
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Quarter Midget Mom
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All the other answers are great & dead-on about Chexsystems, but I had to throw in my 2 cents. I work in Branch Operations for a Bank (which means when the people in the branches don't know what to do, they call us) and deal with questions about whether to open an account or not.
Just because you can prove that the bad account was paid off, doesn't mean that another bank is going to open an account for you, especially if this was recent. Banks are getting burned by too much fraud these days & most aren't willing to take the chance.
I would think that your best bet is to go back to the bank that reported you in the first place & see if they are willing to remove YOUR name from ChexSystems. If you've banked with them long enough & can show that YOU didn't write the checks and if you have a working relationship with someone at a branch, they might be willing to vouch for you & help you get off the report.
It also depends on which area of the Bank is in charge of ChexSystems reporting. If it's their Checking account department, you'll probably have better luck finding someone to take you off. If it's their Security department, it might be tougher because they see the worst of the worst & are suspicious of everyone. |
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sophieb
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Go to the bank where the problem checking account was. Ask them where they turned you into. They will give you the name. It MAY be Chex Systems Inc which is a Consumer Reporting Agency that maintains a database of mishandled checking and savings accounts.
You send them the paperwork showing that the bank has been paid and all the fees paid on that account and ask them to remove you from their list. The bank will write that company right in front of you on their computer.
Within reasonable time you should see it clear off of your credit report, and then you can open another checking account.
Until then use money orders and keep track of them. Sometimes I use Ace, sometimes I use post office Money Orders. If you have only a few payments a month, and depending on where you buy the money orders (the cost of each) sometimes that's even less expensive than having a checking account. |
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hobby
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If you already were reported to ChexSystems, paying the debt off does NOT remove you from ChexSystems. You need to find a bank that doesn't use ChexSystems. |
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College Student
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If you go to the bank you want to open an account at sometimes they have a program class you can take for 50 or 60 bucks that will teach you about credit and proper account usage and then when you pass the class they will let you open an account. The class will give you a certificate. I had to do that myself. |
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ShouldBeWorking
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You might need a letter from the financial institution that closed you out and reported you saying that you were a joint on the account, not the one writing the checks and that all the fees were paid. This might not be good enough, because some people will take it into consideration that you were even on a joint account with someone who would write bad checks, but other places may be more willing to give you a chance. Also, time may factor into this. Although there is no system for check reporting usually institutions are less likely to open an account if you were reported for abuse within the past year, versus if it was a long time ago. |
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koifishlady
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dream on. i don't think u will be able to fix this. since it was a joint account banks usually think that you know what is going on with your account. u could ask a bank how to fix it. |
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~Terr~
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It depends on the bank. Once the account is paid off, they have to let you open up an account. Did you keep the receipt, from where you paid off the account? If not, get another copy. Try different banks and explain the situation to them. Make sure that your account has cleared, in the bank system. You may have paid it off, but it may not be in the system. |
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Cris
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It depends. They may have reported you to chex systems. If you google search chex systems you will find their website and you can request a report to see if the activity is on there. Unfortunately it doesn't matter that he wrote the bad checks because the account was in both your names. If for some reason you are in chex systems find out for how long because the listing usually comes off in about 5 years. If it has not been that long then you can find a bank that does not go through chex systems. They are out there you just have to find them. I know that Guaranty bank is one of them but I do not know where you live so you may not have that bank but there are some out there.
Hope this helps!!! |
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