got my chex report today

[ny86yanks]

-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

Edited April 30, 2009 by ny86yanks

[ny86yanks]

also, is one negative HORRIBLE on chexsystems? im new to the chex part of repair

[mca]

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

[ny86yanks]

thanks MCA

[chanaz]

Thought Christians were supposed to be a trusting ppl. Why the inquiry??

Edited May 3, 2009 by chanaz

[Tornado]

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 Something like the outdated or negative records don't transfer over to the new bank and they are unable to verify the debt.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?

[ny86yanks]

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 Something like the outdated or negative records don't transfer over to the new bank and they are unable to verify the debt.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

[mca]

yea it would definitely be worth disputing and how old is it?

[ny86yanks]

2 years old actually

 

 

 

why would CCCU pull chex for a credit card

[crazymonkeycat]

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.

[Viet_T]

CCCU pulls ChexSystem right? Have anyone tried this?

[mca]

yes they definitely use chexsystems

[crazymonkeycat]

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.

 

 

CCCU pulls ChexSystem right? Have anyone tried this?

 

 

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!