Scdawg

Many people open accounts at BOA and Suntrust and are later closed. I would suggest STRONGLY that you finish the process with Suntrust by sending everything in the mail. If you are reported to EWS, BOA and Suntrust may close your accounts at a later time Thanks for the heads up. I have been with Suntrust for 11 months now, received packet from BOA today so we shall see. I will keep you posted.

Not by any means am I telling anyone to lie. Revoking ACH/Debit withdrawls to an illegal lender/creditor is not against the law. And forwarding any Revocation of wage assignment to your employer is not lying either.

I had 6 different payday loans out at one time (I know this was very stupid) I was able to get my financial situation under control by doing the following: -Close your checking account immediately, explain to your Local Branch Manager that you are dealing will illegal lenders/creditors that are making unauthorized debits to your account, ask for a no debit hold be placed and open a new account. -Explain to your employer that you may have been a victim of identity theft and any phone calls pertaining to your employment or asking to speak with you while you are at work be denied. -Gather email addresses to all your payday lenders and send a Revocation letter of ACH/Debit withdrawls and also Revocation of any wage assignments, make sure and BCC your Bank Manager and/or employer as to assure no more debits or wage assignments be placed. -Upon initial contact of Creditors or Collections of the Payday Lenders after the emails have been sent out make payment arrangements on your terms not theirs. -Let them know that if they are not Licensed to do business in your state then you are only required to pay the principal and any payment made thus far must be applied to the principal. -Getting off the payday loan treadmill is very hard but it can be done trust me I did it..

Had 30 negatives, and 4 positive TL's when I first found Credit Boards. 2 months later, after living every spare moment of my life on this website I am up to 6 positive TL's, 7 out of 30 negatives already deleted with an additional 9 more set to be removed in 2012. I have done all of my disputes online with the Credit Bureaus and haven't even had to sent my first DV letter out yet. Thanks for all the info thus far and I hope and plan to continue my journey through and with this site. I will keep you posted on the progress that will be made. Thanks so much. Sincerely, ScDawg.

I recently opened a Checking and Savings account online with Bank of America with 3 negative chexsystems entries. Also was successful with Suntrust, both Checking and Savings as well. Had to go into Suntrust Branch to sign and finalize, Bank of America was done 100% online with an E-Signature. Anyone looking for Checking may want to explore these routes.