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Chexsystems Help

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

1,507 topics in this forum

  1. Pinned topics
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  2. Welcome

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  3. I hope this helps Part 2

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  4. I hope this helps

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  5. I hope this helps Part 3

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  6. Other topics
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  7. Approved at Regions Bank w/ several chex entries 1 2 3

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  8. US BANK 1 2 3

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  9. Help With Bank of America Chex Removal

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  10. PNC Bank

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  11. Navy FCU

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  12. Early Warning

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  13. Chase Liquid

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  14. Comerica Bank

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  • Our picks

    • I elected to pull the trigger on the new United card the other day.  As expected, there was a pull on EXP.  No instant approval.  I see a pull from the following day on a different bureau (TU). 
       
      I am curious whether this is becoming their new normal.  Recording still has the 'under review' message.  
       
      Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window). 
       
      Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United.  I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge. 
       
       
      • 12 replies
    • Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. 
      I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? 
      Years ago they weren't but so much has changed. 
      Thank you for all the suggestions. 
       
      • 15 replies
    • First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. 
       
      So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
      Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
       
      I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. 
      I could desperately use some guidance from you all
       
       
      Fico 8 eports & scores as of March 10 
       
      Experian 558
      Citibank AU $6500 limit $4977 =76% usage  - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score 
      Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
      Care Credit AU$4000 limit $0 -no usage - 8 years old never late 
      Sears - closed AU no negatives 
       
      CarMax paid closed $19,117 -opened 4/14 closed 7/15
       
      Acendium student loan 44 lates CO $2872 updated 8/16
      EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
      EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
      FED LOAN SERV- closed exceptional payment history 5/15
      GLESI/ Bank of America -closed exceptional payment history 2/12
       US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
      US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
       
      Inquiries 
      Cap1 3/20 - unsecured card $300 limit in mail 
      Discover 3/20 - declined secured card 
       
       
      TU 509
      Belk - same 
      Care credit - same 
      CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 
      Discover -same
      Sears-same
      NFCU AU- closed updated 5/23 $20k limit exceptional payment history 
       
      Carmax-same
      All the same student loan info 
       
      Collection 
      AT&T  Mobility $1206  collection opened 9/18 updated 2/20
       
      Inquiries Cap 1
       
       
      EQ 535 
      Citibank same 
      Belk- same 
      Care credit same 
      Creditone same 
      Discover same 
      NFCU SAME 
       
      CarMax same 
      Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes 
       
      EDSOUTH GLESI SAME 
      EDUC SERV AMER same 
      FED LOAN SERV same 
      FED LOAN SERV same 
      US DEPT EDUC same 
      US DEPT EDUC same
       
      Inquiries 
      Cap1 same  
      • 33 replies
    • 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?
       
       
      • 24 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
  • Posts

    • Yes, DCU pays 6% compounded monthly on daily savings balances up to $1000.  The $1000 is a cap, not a threshold, so ANY funds up to that amount earn the premium rate, calculated daily.  A "spike" doesn't factor into the equation.  The calculation is an effective ADB method.  For members who park a $1000 into savings (who wouldn't) it really translates to a $60 member bonus (with one available for each household member who joins).
    • Thanks, will look into that.  Believe it or not, i thought they were only adjustable rates.  Also, if i decided to keep the home to rent out, I sure dont want to keep the high interest rate on first mortgage. I didn't even put HELOC in consideration.  I will now.
    • No longer in inventory, as of tonight:   Freezer:  one package of boneless, skinless chicken breasts Pantry: last 20% of a package of seasoned bread crumbs and about 1/3 of a bag of croutons Fridge: last ~1/2 cup of a jar of ranch dressing   Thawing for tomorrow: two spicy chicken sausages, made in-house at our favorite butcher shop (for lunch); and for the smoker, one pork loin and two full racks of St Louis style ribs.     I will probably re-freeze the ribs after they're smoked and we'll eat them at a later date.  It doesn't make sense to go through the hassle of using the smoker for a 2# pork roast.     I'm also going to smoke an eggplant (🤮), some kind of squash (🤮), a couple of onions and, if there's room, one of the cats.
    • I've heard the third season was frustrating, is it worth getting into?
    • There's a similar case going viral of a guy who thought it was a hoax, caught it, and died. I peeped his FB and I felt bad for all the grave-dancing, he really only said one thing about not wearing a mask, it wasn't like he was figuratively dying on that hill even though he literally died on it.   FWIW, I don't think covid parties are real -- this has long been an urban legend that changes flavors. I think the reality underlying it is less interesting -- every party is a covid party until we have this under control.   People are going to parties and not taking precautions, which fuels the idea people are going parties with the intent of risking contracting the virus.    This is actually an area I think localized reporting is failing -- by framing these infections as caused by a non-existent behavior (going to covid parties), they underrepresent the actual risk (going to large gatherings with no precautions).   The extreme extrapolation here is some people concluding "well, I was only invited to a regular party. As long as I stay away from covid parties I should be fine, it's just a party and I know these people."   Wired did a good piece about how covid parties are the new jelly bracelet parties.

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