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Chexsystems Help

Discussion and help for consumers who have trouble getting a bank account.

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  • Posts

    • Just logged into my NFCU account and see they bumped me up to 35k.   I would not bother with NFCU until you can get the EQ BK removed. 
    • You could try this Illinois decision:    "Hood v. American Express Centurion Bank," (S.D. Ill. 2011).  The court quoted from Utah Code Annot. 78B-2-309( saying that it provides a 'six year statute of limitations upon any contract, obigation or liability founded upon an instrument in writing.'  He then contrasts it to Utah Code Annot. 78B2-307(1)(b.c), saying, "Another provision of delineates a four year statute of limitations 'after the last charge is made or the last payment is received"upon an "open store account for any goods, wares or merchandise" or an "open account for work,labor, or services rendered or materials furnished."   "A credit card is an open-ended account, and 78B-2-307(1) enumerates various other types of open accounts.  So this Court finds that credit card accounts best fit within the four year statute of limitations provided by Utah Code Annot. 78B-2-307(1).    Effective 5/9/2017 
      78B-2-307.  Within four years. 
           An action may be brought within four years: (1) after the last charge is made or the last payment is received: (a) upon a contract, obligation, or liability not founded upon an instrument in writing; (b) on an open store account for any goods, wares, or merchandise; or (c) on an open account for work, labor or services rendered, or materials furnished;   Lowes and Sams are both store cards which cannot be used anywhere else. The above might scare them off. If not, I would file two arbitration cases, one for each card. The expense of that will make them think twice; Midland refuses to arbitrate 95% of the time. The startup fees for them in AAA are $4700 and $1500 per day thereafter. JAMS is a tad higher than that. Find your agreements from the year you defaulted, they may contain language that says the creditor will pay your initial fee. AAA is 200, Jams is 250. If the agreement provides for both companies, use one for one card and another for the second, don't file two cases with the same arbitrator. That way they can't try to have them consolidated. 
    • https://www.republicreport.org/2018/for-profit-college-chain-claims-financial-distress-sues-devos/   ...Education Corporation of America...
    • This is awesome! I've been following. Nice work!   I've opened Secured Discover It with max deposit, and got a Wayfair 1k Unsecured since Discharge 2 months ago. Considering NFCU Secured now (2 mos. since Discharge), or removing BK from EQ(via methods in these forums) and going for unsecured.  Advice?   I guess I'm wondering if I do secured now, and they see the BK. Will they be "blind" to it if I get it removed in a few months and apply for the Unsecured for a nice 20k credit line?   Thanks!
    • Prices look reasonable. 

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