ChexSystems Report Came today

[Jack1Jack]

No reported information as far as mishandled accounts, outstanding debts, etc. About 4 consumer initiated inquires. Though, I do I have a CO BOA account sent to NCO, but not reported on ChexSystems.

 

I'm assuming these denials of checking accounts is a mix of my Extended Fraud Alert, and derogatory accounts on my actual CR?

 

Lame

 

I do have a savings account with a CU, but I don't think they'll allow a checking account open. I tried another CU about 2 months ago, they said no. She actually said that she couldn't open my CR(FA probably), but could somehow see that there were derogatory accounts, and denied me.

 

 

Lamex2

[mca]

Have you tried to find a non-chexsystems banks?

[slutty]

I guess I feel lucky, I got my chex report in the mail the other day and was blank, everything had "no current information" kinda lame!

[jtoast]

Chexsystems isn't the only reporting agency out there that banks use..Telecheck used to provide this service although I don't know if they still do

 

 

I would ask the banks that are denying you which database they are pulling the information from so you can get it corrected.

 

EDIT:

Corrected Telecheck info

Edited April 14, 2009 by jtoast

[Philly Devil]

Try Citizens Bank

Link: http://www.citizensbank.com/home/

[crazymonkeycat]

I'm curious about this too.

 

I had a bad Chex, disputed, got it cleared up, got my letter of everything being all clear and a new report yesterday, applied online to a CU and received the "denial due to chexsystems" response. I'm going to ask for a manual review but I'm curious why this is? I'm also not in telecheck. The only reason for denial stated was chex...

Edited April 28, 2009 by crazymonkeycat