Sunday, August 17, 2008

ChexSystems Questions and Answers

What is the function of ChexSystems?
Banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. You get reported to ChexSystems if your account is closed for cause. What is for cause? Banks differ greatly between them as to what valid reasons are for closing an account. ChexSystems

How would you find out if you're listed in ChexSystems?

Contact ChexSystems, If you contact ChexSystems and provide then proof that you have been denied a checking account within the past 60 days, ChexSystems will send you a copy of your report at no charge . Otherwise, there is a fee.

ChexSystems Customer Service

12005 Ford Road, Suite 600

Dallas, TX 75234-7253

(972) 280-8585

Fax: (972) 241-4772
www.chexhelp.com
What is the telephone number for ChexSystems?
ChexSystems toll free telephone number

(800) 428-9623

(800) 513-7125

(800) 428-9623

From
aboutmycredit.com/chexsystems_solutions.htm

Can I get a payday loan or cash advance with no checking account because I am on ChexSystems?
Get Account Now MasterCard with iAdvance Option www.iokcash.com
How long does it take to get out of ChexSystems list? Will you be removed from ChexSystems list if the balance has not been paid off?

Your information stays in the ChexSystems database for 5 years unless there's a legitimate reason to remove it.

How can I get removed from ChexSystems?
Guide to Get Off ChexSystems
Is there any way of getting out of Chexsystems before the 5 years? How do you fix a closed bank account listed with ChexSystems?
Guide to Get Off ChexSystems
Any Bank that don't use chexsystems? Are there any banks that do not use
Telecheck or Chexsystems?


badcreditinfo.com/banks_that_do_not_use_chex_systems.htm
Does bank of America use Chexsystems?
It has been reported that B of A has allowed customers to return once their balance has been paid off to ChexSystems. No promises, just what we've heard.

badcreditinfo.com/checking.htm

After a bankruptcy will the balance show as zero on ChexSystems?
I consulted a bankruptcy attorney on this one. Yes, the balance should show zero, but the listing can remain for the balance of the five year term on ChexSystems. You might consider a second chance checking account

Is Bankruptcy the right move?

Free Analysis

Is there any way around ChexSystems when opening a bank account?

Apply to a non ChexSystems bank

badcreditinfo.com/non_chexsystems_banks.htm  


Can you open a merchant account if you are in ChexSystems? Can you open a business savings account when you're on ChexSystems? How do you open a business checking account after being denied due to ChexSystems?


Does being in ChexSystems affect your credit report even you don't owe the banks anything? Can you buy a house if your on ChexSystems?

ChexSystems reports only to banks about past banking issues. Past banking issues are not contained in your "regular" credit report unless the bank assigned the account for collection. It is a good idea to check your credit report at least twice a year. You can get a free copy of your credit report at aboutmycredit.com


Where can you get a savings and checking account while you are are listed with ChexSystems?
instantfinancing.com

Can you get a bank to remove your name off of ChexSystems if you pay off the bad account?
It is up to the listing bank and the circumstances involved. Guide to Get Off ChexSystems
Is it possible to join your new husband's credit union account with your name in ChexSystems but his is not?


People ask; Where can I get a bank account if I am listed on ChexSystems and I live in ; Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, N Hampshire, N Jersey, N Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. AL AK, AZ, AR, CA, CO, CT, DE FL, GA, HI, IA, ID, IL, IN, IO, KS, KY, LA, MA, MD, MS, MC, MI, MN, MO, MS, NC, NJ, NM, NV, ND, NH, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.

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Wednesday, August 13, 2008

Second Chance Checking Accounts

Second Chance Checking Accounts

Tired of standing in line to cash your paycheck at a check cashing store? Hate paying 3% of your hard earned money for the privilege of check cashing and than paying for money orders, stamps and another trip to the post office?

Online checking accounts are perfect for those who folks that can't open a checking account due to past checking account issues, bad credit or have those that have a negative ChexSystems listing.

ChexSystems is an agency that collects and reports consumer banking incidents to member banks and credit unions. The purpose is to reduce fraud and account abuse. It also protects consumers from becoming victims of identity theft and fraud. Sometimes nice folks get stuck in ChexSystems.

For what reason are consumers reported to ChexSystems?

Here are some examples:

* Bank was unable to collect for an overdraft
* ATM transaction, or automatic payment which they honored on insufficient funds.
* Multiple overdrafts.
* Savings Account, debit card or ATM abuse.
* Fraud.
* Providing false information in opening account.

Our selection of second chance checking accounts offer some very useful features:

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We've found a bank that will give you a second chance checking account with the following features:

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Monday, August 11, 2008

Second Chance Checking Account

ChexSystems protects banks from fraud however ChexSystems at times prevents folks from being able to open a bank account that made a banking error like leaving a bank account overdrawn for a period of time. Even worse a bank can close an account that is in good standing, when a different account owned by the same person, at a different bank, has been defaulted on and reported to ChexSystems!
People that can't open a checking account need an alternative that allows them to be able to bank while listed on ChexSystems, fortunately there are 2nd chance checking accounts.

Second chance checking accounts are useful when ChexSystems stops you from opening a
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Friday, July 4, 2008

Non Chexsystems Banking

I became interested in ChexSystems a few years ago when a friend became entangled in the ChexSystems web. ChexSystems is a credit reporting agency that reports mishaps with a bank to other banks. After becoming listed in ChexSystems it can take up to five years for the listing to be removed.

I am sure ChexSystems protects banks from fraud however ChexSystems at times prevents folks from being able to open a bank account that made a banking error like leaving a bank account overdrawn for a period of time. Even worse a bank can close an account that is in good standing when a different account at a different bank has been defaulted on and reported to ChexSystems!

In the case of my friend she deposited a large check in to her bank account. The check came back non sufficient funds and my friend did not have available cash to cover the overdraft. The bank closed the account and reported the action to ChexSystems. My friend eventually paid the bank back in full but she was still listed on ChexSystems.

Her paycheck had been direct deposited for years. Once her bank found out about the overdraft they closed her account. It was very embarrassing for her to go to Human Resources at her job and change over to paper checks.

After some searching I found that certain banks offer deposit accounts with a debit card that allow you to direct deposit your payroll or income check and use a debit card to draw the funds and pay bills.

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