I feel like Teflon Don! (Just got CS report today!)

[ZeroDebt]

I went to the post office today, and lo and behold, the Chexsystems report I had ordered online a few days ago arrived. I have never

ordered a CS report(Nor was I even AWARE of the existance of Chexsystem before joining this board a week or so ago - THANKS, CB!),

so I felt kinda nervous and queasy when I pulled the envelope out of my PO box because it felt kinda thick and heavy, and because I

KNOW I have had 2 NSFs and 1 returned check within the past 5 years Heck, one of the payments that bounced was TO Providian to make an online credit card payment, which wound up bouncing, and other 2 were from checks drawn on my WAMU checking

account, one of which was "covered" by WAMU even though I had no overdraft protection at the time, and the latest one, a near $800

overdraft(due to Paypal failing to tell me that my Cap1 CC is no longer used as automatic backup funds - it has to now be either an ebay or paypal CC ), that was "covered" by WAMU(I had built up a $1000 overdraft protection on the account by that time), and got a

rather nasty letter from WAMU, (even though I straigtened everything out and got the account back to a positive balance within 48 hours)

 

My Chexsystem report says "No information found" in all 4 catagories!?! Am I just lucky? I should add that when I ordered the report

online, I submitted only the *required* information(name, SS# and DOB), and not my driver`s license number(optional). Could it be that

be why no information was found?

 

Edited to add: Last overdraft was the beginning of this past February.

Edited May 3, 2008 by ZeroDebt

[mca]

no, your social was fine.

[Calculata]

take it as a blessing. Now you know that you have to take precautions, so you won't ever seen anything on it toward the future