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Chexsystems Help

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

1,495 topics in this forum

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  2. Banks that use Chexsystems

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  3. I hope this helps

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  4. I hope this helps Part 2

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  5. I hope this helps Part 3

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  6. Welcome

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  7. Other topics
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  8. 1st United Services CU

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  9. 2 Down on chexsystem

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  10. 3 accounts 1 overdrawn

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  11. 5 year question

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  12. 5 Years ...

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  13. A Couple Easy Questions

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  14. A few questions

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  15. Account Abuse

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  16. Account Freeze?

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  17. Addresses

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  18. Alliant CU

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  19. Alliant CU Denial

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  • Our picks

    • Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
       
      So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
       
      My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
       
       
      • 15 replies
    • So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info? 
      • 4 replies
    • Hello, I filed bankruptcy in 2016. Since then I haven't really done much to take care of my credit. Stupid, I know. The main issue I've had is running high balances but I recently pulled my credit reports to see if there was anything else going on. I found two medical collections on my report from after bankruptcy. However, I'm almost positive the services are from before my bankruptcy. For one of the accounts it reports on Experian as IIB with no balance but on Transunion it reports as active with a balance. I tried disputing it via credit karma but transunion came back saying it was accurate and now there's a note on it saying it meets FCRA (see attached image). 
       
      For the other account I'm almost positive it was also a service from before bankruptcy. What's the best process to go about confirming this info? Should I send a debt validation or dispute it with the CRAs? I worry that won't do anything because it didn't help with the other case. 
      • 23 replies
    • Hello, this is my first post.  I’ve spent time reading some recommended posts from “start here” but some of it became a little confusing/overwhelming so hopefully I’ve read enough to make my first post.  
       
      I first used one of my free annual credit reports in 2016 through Experian and the following information was reported negatively:
       
       
      1) 60 days late as of Oct 2013
      status: paid, closed. 
       
      2) 60 days late as of Sept 2013
      status: transferred, closed. 
       
      3) Debt collector date opened 9/2014
      Status: past due 
       
      4) with an old bank account I had a few 30-day late months but was then current and it was never 60 days late.  The last time I was late was Nov 2012.  My account closed in 2014.
      Status: paid, closed. 
       
      5) sent to collections
      collections opened 8/2012
      status: past due as of 2015
       
      6) sent to collections
      Collections opened 8/2013
      Status: past due as of 2015
       
      7) Past due as of 11/2012
       
      8) past due 12/2012
       
      9) paid in settlement. last reported 7/2014
      10) paid in settlement. last reported 7/2014
      11) paid in settlement. last reported 7/2014
       
      12) as of June 2011:  transferred, closed
       
       
      I used Experian again in 2019 for an updated report.  I likely need some help finding the updated information please.   I printed my report in 2019 and it looks a lot different and it’s shorter.  
       
      my current credit score as of today is 672 according to Experian. 
       
      I met my figure husband in 2014 and he has helped me a bit but we don’t know all the right answers.  He has a high credit score and since we’ve been married he’s added me as an additional signer on his two credit cards.  We keep our usage of available credit low, usually around 10% and we pay in full every month.  I believe this has helped my rating climb from in the 500s to where it is now.  
       
      QUESTION 1)
      Now that my score is above 670, would it be helpful if I applied for my own credit card, and linked it to our bank account to pay in full every month, or do I get the exact same credit benefit form being added onto his cards?
       
      QUESTION 2)
      I read information on this form discussing the removal of old addresses.  I have two old addresses on my account.  I left both prior to 2014.  
      On this same topic I have 2 old phone numbers linked to my account. 
      I assume I need to keep all of my names (madden names, with and without middle initials Etc) but there’s one name listed for me as Alii not Ali, should that be removed too?

      QUESTION 3)
      I just looked at my free Annual report from Experian in 2019.  Should I use one of the other 2 soon and see what those reports say? 
       
      QUESTION 4)
      where should I go from here.  How am I to begin repairing past credit?  I’ve been solid the last half decade so moving forward things will be ok, i’m just still dealing with the past.  Maybe all I can do is wait until enough time passes but I’d be grateful for any advice. 
       
      • 28 replies
    • Even when you win you lose
       
       
      https://www.propublica.org/article/why-your-health-insurer-does-not-care-about-your-big-bills
  • Posts

    • Hi,   I opening up a personal loan at NFCU on March 22, 2019 for $5000. Term is 30 months    I only opened the loan because all my credit reports only have credit cards reporting no collections, auto or home loans student loans. - & I wanted to improve my account mixture.    I never spent any of the money - I have it in a high interest account.    Whats a good time for me to pay the loan off? Is there a "good time"?    Since it's been a year - would paying it off now be hurtful or defeat the purpose of opening it up in the 1st place?
    • I'm not sure what changed but I bought a car a few days ago and NFCU wouldn't approve me.  I have been a member for 8 years and even my checking account one time went negative for a long time but i redeemed it.  I had a secured card with NFCU for maybe 3 years and it never unsecured so i finally closed it.  Well, i knew recently that a bunch of balances that i paid down had finally hit my credit so I decided to app NFCU knowing my score was up (up for me is probably 580 if I am lucky?). I have had a new secured card with NFCU for 5 months with a limit of $200 and the system approved me for a Go Rewards card with a CL of $4,100.  YAY!!!   Currently my wife has me as an auth user on her NFCU card with a limit of $2,900 and if finally got paid down to around 70%.  For the longest time i just thought NFCU tagged my checking account because i let it go negative for a few months a long time ago. I figured they would never love me and expected a decline.    So should i try to refinance my used 2019 auto loan I just got at 12.5% about 5 days ago? I kept getting declined recently on the purchase from NFCU and I tried the refinance also and got declined. I am in a positive equity position too. I kind of feel like they just had an old report on me because i have been trying off and on over the last month and anytime I did an app for a NFCU auto loan I never got an alert for a credit pull.  Maybe now that they pulled a fresh pull I will have a better chance?    Thanks in advance for the help, I had to come here and share because I am super excited.  My highest credit limit currently is $300 outside of my wife's card that I am an authorized user on.   Just for reference i just looked and NFCU FICO 09 said i was at 506 on 3/5/20. 
    • Hello all,   I’ve joined the community because I’d like to get advice on the proper and smart way to get 4-5 credit cards this year to take advantage of the cash back rewards and points.   I’ve never been a fan of credit cards because I don’t like the idea of owing money. In addition, I’ve been holding off on applying because I thought I was going to purchase a house within the past 2 years. But here I am now!   My current score is 785 - I have student loans. 1 secured visa and 1 Care credit card with $0 balances.    I applied for the Discover it card yesterday and was approved for $7500, so I guess that’s a good start.   Look forward to learning from you all!
    • I was going to ask the same question!

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