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
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
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.