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Chexsystems Help

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

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    • So my TransUnion score is about 60 points lower than the others. On the 3rd party sites that give me my score, they mention a derogatory account being the reason so I pulled my report and there are no derogatory accounts. 
      I called TransUnion and they were no help, trying to get me to buy something. 
      So here I sit, decided to buy my TransUnion score directly from them, found it to be 9.95, 19.95 and 24.95. The lower prices are displayed but then when I log in to buy, the other prices disappear and they want 24.95 
      Starting to feel a bit bullied. 😡
       
      Any idea why my score would reflect a derogatory mark but my report does not?
       
      Thanks!
      • 12 replies
    • Hello Everyone,
       
      Happy New Year to all! Question for some pros. I disputed a Verizon Wireless collection account on all 3 CRA's. The usual "verified" thing happened on TRANS and EXP but, it was removed for EQ. 
       
      The question is, am I able to dispute again with TRANS and EXP stating that the account was removed on EQ simple and plain? If so, do I just dispute and say TL was inaccurate and removed from EQ and should have been removed on all 3, please remove?
       
      Thanks in advance!
      • 21 replies
    • Well, I exceeded an established limit set by a lender, 48.00 bucks and change.  Notice arrives referencing the delinquency having with an offer to remedy the default. Irksome is wording that implies the outstanding amount due is an amount to make the balance $0.00. While due really is a minimum payment 78.00 bucks even. 
       
      Someone with a better working knowledge of those laws regarding language, syntax, technicalities of painting, respond with insight including an answer to this question could the lender be on the hook for misrepresenting the amount, or some other infraction?
       
      To date, the account is open, no notice received of account closure wherein then the whole amount is due. 
      • 11 replies
    • Flew back into IAH the other day after spending the week in Vegas.  As I went to exit the garage, I had my parking ticket and AXP Plat out and ready to go.  IAH uses one of the machines at the exit where you insert the ticket and then it prompts for the card, and then returns both to you, with the ticket serving as the receipt.
       
      Somewhere in the time since my last departure from IAH in August, they have added a little sticker to the machine that says "No Metal Cards." They don't staff the credit card lanes with humans.  Fortunately, I had options and more fortunately, there was nobody in the line behind me being inconvenienced as I dug for a plastic card.
       
      Anyone else seeing similar things? 
       
      I am curious as to what prompted the change since they have never been a problem previously.  I do on occasion see instances where the silver mag stripe on AXP doesn't read correctly and the card has to be swiped a second or third time (not at IAH), but that wouldn't seem to be the issue here since, as noted, I have used the card on other travels without problem...
       
      I have an inquiry in to the IAH powers that be, but don't expect a meaningful reply...if one does get generated, I will post. 
      • 23 replies
    • Wondering what the best first credit card for my SO would be so she can continue to build her credit?
       
      Background: She's 21, has made around 25-30 on-time payments on her vehicle that's in her name, and has a couple years of on-time utility and phone bill payments.  She's never had a credit card before or anything negative on her credit. She has no debt other than what's left on her vehicle. She's looking to apply for her first CC to start building her credit. She is very responsible and is employed full time as a police officer. Though it's not too important to her at this point, cash back would interest her most with earning miles coming in second.
       
      What are your suggestions?
      • 14 replies
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