I just got a denial for bank account on NASAfcu because of Chex. But I don't have anything on Chex, and the one thing I had was removed in 2006. Anyone know if they re-insert without notification? If they do, aren't they in violation?

I tried to request a Chex report online for reject, but I still haven't seen a report. Should I do the request in writing?

Anyone have any luck with them using a recon or backdoor?

get your report at www.chexhelp.com and yes it is possible for them to re-insert

If the item is removed by Chexsystems under FCRA guidelines, the bank generally does not re-insert. That is why following dispute guidelines and keeping a paper trail are important.

If the bank does add the information again, the paper documentation can be used to go after the bank, sending the bank an ITS - Intent to Sue letter. Plus, you have a strong legal basis to file a complaint with the bank regulator.

*Note: If a bank re-inserts information, the FCRA says that Chexsystems must notify you within 5 business days. If they do not, they must remove just based on that reason alone.

more then 2 INQ'S in the last 90days?

did you apply online or at a branch?

NASA will deny if the chexsystems report indicated fraud and does nto show the debt to the previous reporting bank(s) is paid

NASA FEDERAL CREDIT UNION
http://www.nasafcu.com

-they use chexsystems but if fraud is not indicated on the report, generally they will open an account for you

-fraud should not be indicated on the report

Membership INFO from site:

If you are not currently a member of the Credit Union and do not meet our core eligiblity requirements, you can become eligible for membership by joining one of the associations below. Once you have joined the association, you may complete a membership application to join the Credit Union.

Approved associations include:

National Space Society - www.NSS.org

The National Space Society (NSS) is an independent, educational, grassroots nonprofit organization dedicated to the creation of a spacefaring civilization. NSS is widely acknowledged as the top citizen's voice on space. The fee to join is as low as $18.
The Montgomery County Road Runners Club - www.MCRRC.org
The MCRRC is one of the largest, most active running clubs in the nation. It offers programs and opportunities for all types of runners, from newcomers to experienced. The fee to join is $25.

The Potomac Chapter of the Registry of Interpreters for the Deaf, Inc. -

www.PCRID.org

The PCRID is a non-profit organization dedicated to the advancement of the field of interpreting. It serves Maryland and the District of Columbia. The fee to join is $30.

Chesapeake PC Users Group - www.chesapeakepcusersgroup.org

The ChPCUG is a charitible organization that assists PC users through educational classes, monthly meetings and newsletters and the opportunity to participate in Special Interest Groups. They work with all organizations and government agencies interested in advancing computer knowledge for members of the local community. The fee to join is $40.

Email:
Good morning. In reference to opening an account with us and being listed on Chexsystems, you will need to wait one year from when you paid the amount owed in full before you can open an account.

If you need further assistance, please contact us toll free at 888-627-2328.
Thank you,
Debbie
eBranch Associate
301-249-1800/888-627-2328, ext. 485

Thank you for that information. I will write to them.

I did get the Chex report. It was because a bank closed an account of mine for NSF - however, I never had any NSF's - BUT. Two checks that were given to me from a company that was paying me did bounce. Then they closed my account. When it closed, the account was positive. It does not say account abuse.

So should I write to NASA? Try to get Chex to remove? write to the reporting bank and ask why they would report me for NSF when the checks given to me bounced ? Or all three.

Thanks

It depends...who is the reporting bank?

I applied online and got this message


Application Error
There was a problem completing your application. Please contact the Credit Union at support * nasafcu *com or call 301-249-1800 or toll-free 1-888-NASA-FCU (1-888-627-2328), ext. 603, Monday through Friday between 8:00 a.m. and 4:15 p.m.

Do you think I was rejected? I am on chexsystem one NSF and one WO $10 I just found out today, will pay tomorrow

yes that seems to be a denial

Bank Texas N.A.

I would first file a dispute with Cxexsystems and then follow up with the bank if there is no removal the first time.

I got into nasa- chex dropped the information from my report.

YAY - good job done

Congrats
How did that happen btw?

odd... have you ever heard of someone, who has no chex file (never an overdraft, never a bad cheque), getting that message?
maybe they're upset that i only bought one share? i want to see if i like it before making much of a commitment. i can't imagine why they'd decline me for a share account. any thoughts? i suppose i can wait until i call them monday, but i'm not known for my patience.

just to update...
so, i finally got an email from NASA.
Alicia J. Boyce, the call center team lead, says that they were unable to verify my identify online. they want me to send them a copy of my driver's license. i find this odd, because no other entity has been "unable" to verify my identity online. i'm going to just forget about it, as i've found my way into Navy FCU.