 got my chex report today |
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 Apr 30 2009, 11:28 AM
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#1
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Group: Members
Posts: 713 Joined: 9-February 09 From: Long Island, NY burbs of NYC Member No.: 90,321  |
-one negative
-one inquiry Inquiry is christian community CU the negative was a NSF check that was honored I had YEARS ago at Bank Of New York, which was taken over by Chase so now it says P Morgn Chase but the debt amount is not listed, it told me to contact chase regarding the debt This post has been edited by ny86yanks: Apr 30 2009, 11:30 AM  6 months ago all 3 FICOS were about- 500
No TLs accept for collections Present established Tradelines as I began credit repair December '08 EQ-595 EX-Don't Know TU-659 First Premier- $200 Orchard- $320 Crown Jewelers- $2500 CAP ONE- $300 and enrolled in credit steps AU on Chase- $17,000  |
  
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| Googie |
Apr 30 2009, 11:28 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Apr 30 2009, 11:29 AM
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#2
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Group: Members
Posts: 713 Joined: 9-February 09 From: Long Island, NY burbs of NYC Member No.: 90,321 |
also, is one negative HORRIBLE on chexsystems? im new to the chex part of repair
6 months ago all 3 FICOS were about- 500
No TLs accept for collections Present established Tradelines as I began credit repair December '08 EQ-595 EX-Don't Know TU-659 First Premier- $200 Orchard- $320 Crown Jewelers- $2500 CAP ONE- $300 and enrolled in credit steps AU on Chase- $17,000 |
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Apr 30 2009, 10:12 PM
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#3
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
no that is about the best kind of report that you can have is ONE NSF by a bank. Yet there are still banks that will deny for anything listed at all
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May 2 2009, 08:34 AM
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#4
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Group: Members
Posts: 713 Joined: 9-February 09 From: Long Island, NY burbs of NYC Member No.: 90,321 |
thanks MCA
6 months ago all 3 FICOS were about- 500
No TLs accept for collections Present established Tradelines as I began credit repair December '08 EQ-595 EX-Don't Know TU-659 First Premier- $200 Orchard- $320 Crown Jewelers- $2500 CAP ONE- $300 and enrolled in credit steps AU on Chase- $17,000 |
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May 2 2009, 08:13 PM
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#5
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Group: Members
Posts: 223 Joined: 29-April 08 Member No.: 74,128 |
Thought Christians were supposed to be a trusting ppl. Why the inquiry??
This post has been edited by chanaz: May 2 2009, 08:15 PM |
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May 3 2009, 12:26 AM
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#6
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Group: Members
Posts: 1,029 Joined: 9-March 05 Member No.: 14,229 |
QUOTE (chanaz @ May 2 2009, 06:13 PM)  Thought Christians were supposed to be a trusting ppl. Why the inquiry?? Although the up side is that I've seen many times that when a bank takes over another bank they will remove. Something like the outdated or negative records don't transfer over to the new bank and they are unable to verify the debt. Dispute and see what happens. Also pay attention to WHICH bank is listed on you report, the old one or the new one. That should give some clue. However, dispute anyways. Dispute with a specific reason. MCA SIDEBAR: Any benefit in disputing and saying that there was never a relationship with the newly listed bank? Would they then have to remove? 9/21/06 FICO TU 630 EQ 579 EX 616
4/05 New Millenium VISA $400 (Secured) 4/05 New Millenium MC $400 (Secured) 5/05 BofA US Airways VISA $500 (Partially Secured) 4/06 Merrick Hooters $5K 5/06 New Home Mortgage $570K (PAID OFF) 5/06 Walmart $230 5/06 Dillards $150 9/06 Macy's $600 -> $1400 9/06 Bloomingdales $1k -> $1200 8/06 Joined USAA (No CC Products yet) 12/06 Joined JFCU (Primary Checking Acct, No CC Products yet) 1/08 Joined NFCU (No CC Products yet) 2/08 Citi Diamond $25k (AU) |
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May 4 2009, 08:17 AM
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#7
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Group: Members
Posts: 713 Joined: 9-February 09 From: Long Island, NY burbs of NYC Member No.: 90,321 |
QUOTE (Tornado @ May 3 2009, 01:26 AM) QUOTE (chanaz @ May 2 2009, 06:13 PM) Thought Christians were supposed to be a trusting ppl. Why the inquiry?? Although the up side is that I've seen many times that when a bank takes over another bank they will remove. Something like the outdated or negative records don't transfer over to the new bank and they are unable to verify the debt. Dispute and see what happens. Also pay attention to WHICH bank is listed on you report, the old one or the new one. That should give some clue. However, dispute anyways. Dispute with a specific reason. MCA SIDEBAR: Any benefit in disputing and saying that there was never a relationship with the newly listed bank? Would they then have to remove? what happened is one time I went NSF with bank of NY bank of NY was then bought by CHASE on my chex report CHASE is listed as the NSF bank so like you said, Id like to dispute it as never having an acct with them about the CCCU thing, lol im not a religious catholic, the reason i tried to get a CC with them is because I thought it would be a bit easier, they denied me -they pulled chex, not any of my CRs, weird 6 months ago all 3 FICOS were about- 500
No TLs accept for collections Present established Tradelines as I began credit repair December '08 EQ-595 EX-Don't Know TU-659 First Premier- $200 Orchard- $320 Crown Jewelers- $2500 CAP ONE- $300 and enrolled in credit steps AU on Chase- $17,000 |
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May 7 2009, 02:50 PM
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#8
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
yea it would definitely be worth disputing and how old is it?
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May 8 2009, 07:24 AM
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#9
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Group: Members
Posts: 713 Joined: 9-February 09 From: Long Island, NY burbs of NYC Member No.: 90,321 |
2 years old actually
why would CCCU pull chex for a credit card 6 months ago all 3 FICOS were about- 500
No TLs accept for collections Present established Tradelines as I began credit repair December '08 EQ-595 EX-Don't Know TU-659 First Premier- $200 Orchard- $320 Crown Jewelers- $2500 CAP ONE- $300 and enrolled in credit steps AU on Chase- $17,000 |
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May 8 2009, 10:52 AM
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#10
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Group: Members
Posts: 675 Joined: 24-November 08 From: Mass Member No.: 86,082 |
QUOTE (ny86yanks @ May 8 2009, 08:24 AM) why would CCCU pull chex for a credit card Were you applying for membership at the same time? They pull Chex for any membership and do what they said is a surface scan of your credit. This is the email they sent me when I inquired about it last week. Dear crazymonkeycat, Thank you for your interest in Christian Community Credit Union. In regards to your inquiry, we do not run a credit report for new share accounts with CCCU. As part of our new account opening process, we do pull a TRW3 Surface Scan which is not an inquiry on your credit report. The Surface Scan does not list any of your debts. It is merely a glimpse of your credit rating. I assure you we do not pull a credit report when opening deposit accounts with us. Only a loan request will result in your full credit report being viewed.   |
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May 8 2009, 06:30 PM
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#11
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Group: Members
Posts: 19 Joined: 15-April 09 Member No.: 93,376 |
CCCU pulls ChexSystem right? Have anyone tried this?
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May 8 2009, 08:35 PM
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#12
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
yes they definitely use chexsystems
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May 11 2009, 08:35 AM
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#13
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Group: Members
Posts: 675 Joined: 24-November 08 From: Mass Member No.: 86,082 |
QUOTE (crazymonkeycat @ May 8 2009, 11:52 AM) QUOTE (ny86yanks @ May 8 2009, 08:24 AM) why would CCCU pull chex for a credit card Were you applying for membership at the same time? They pull Chex for any membership and do what they said is a surface scan of your credit. This is the email they sent me when I inquired about it last week. Dear crazymonkeycat, Thank you for your interest in Christian Community Credit Union. In regards to your inquiry, we do not run a credit report for new share accounts with CCCU. As part of our new account opening process, we do pull a TRW3 Surface Scan which is not an inquiry on your credit report. The Surface Scan does not list any of your debts. It is merely a glimpse of your credit rating. I assure you we do not pull a credit report when opening deposit accounts with us. Only a loan request will result in your full credit report being viewed. QUOTE (Viet_T @ May 8 2009, 07:30 PM) CCCU pulls ChexSystem right? Have anyone tried this? QUOTE (mca @ May 8 2009, 09:35 PM) yes they definitely use chexsystems I'm sure you've gotten my point by this time but I just realized that letter doesn't say anything about Chex and that is what I was going for. Ha. So sorry about that. Yes they do indeed pull Chex as mca said. I wrote so many CU's trying to find their policies I just assumed this response had all the right info in it. Sorry! |
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