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jry0423

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  1. Well that would be helpful. I was under the impression that with a lot of banks, just having a file with EWS or Chex meant no account. Maybe thats not the case, then. I'll be hopeful.
  2. So yeah, I have a couple of accounts with EWS and Chex. They're older, but still within a few years. I'm trying to bank with a more local bank and Huntington seems to fit the bill for what I'm wanting. I apped online, and both checking and savings were instantly opened. I went to a branch the next day and made a small deposit into each. It's been about a week, and both accounts are still open, and I got notice that my check card has been mailed, as well... I found out after opening that huntington pulls EWS, so what are the chances that it somehow slipped through the cracks, and I'm gonna be fine? I have other accounts with Navy Federal (just because I've been there forever) Wells Fargo Opportunity checking, and Suntrust. WF and Suntrust are not local, and the Opportunity checking doesn't allow mobile deposits. I got it mainly for their current new account bonus. I'm in EWS and Chex, and while they're oldish, I do still owe on them. One account with Chase and one with Key Bank, plus an old joint account I had with 5/3 bank but that one was paid, and may have fallen off by now. At what point can I be comfortable with setting everything up through Huntington? Since the old accounts, my income has increased drastically, and I no longer am living with low or negative balances...
  3. I did Barclay and got congratulations you're preselected for aspiring prime rewards or something to that effect. Pre-selected is NOT pre-approved, right?
  4. Thanks for the advice. I ended up just saying "screw it", and didn't make opening deposit with BB&T, and instead just used the chex safe list and opened accounts with Fort Financial CU here in Gastonia.
  5. jry0423

    U.S. Bank

    I've got a checking and savings account with them. I got a couple of checks that I deposited that ended up being bad checks, so they closed my account for fraud and said it was reported to chexsystems. I stopped in the branch where I opened the account, and talked to the manager, who bent over backwards to make phone calls, pulls copies of the checks and my previous history with the bank, and was able to get the DDA fraud department to reverse their decision and allow my account to be reopened. I've been happy with them. i'm still locked out of the online banking system, though and since moving to an area with no US banks, it's kinda hard to keep exact track of things and make sure debits are posting in the amounts they're supposed to be...
  6. I have online dispited some old addresses, and now I'm getting ready to send out some letters to dispute TL's... What's the best method for starting? That jack Attack looks like the most effective one, but that's a LOT of paper I'd be going through. Should I send letters to the CRA's, the OC, where? i see all kinds of advice and suggestions, but not really a where to begin part. Or is it just more along the lines of pick what works for me and go with it...
  7. This is my first answer, so I"m just answering based on what i've read here in the minimal time I've been on the board, so take this answer with a grain of salt... However, since up to that point, it was an entirely positive TL, I would think it would be worth the time to try to get them to goodwill the $8, and still have a positive TL on your report. That's just my opinion, like I said and I'm still learning. Nobody else answered, so...
  8. It is really hard to say if the account will remain safe. Some have had problems with Wachovia in the past and unfortunately more have had problems with Wells Fargo. I generally suggest tha if you are reported to chexsystems, ews etc and make a decision to use a bank that uses chex ot EWS then you should not have all your money in one place. Definitely have a back up account, and be sure to order checks from a safe company. Well, opened the account on the 14th, didn't order any checks at all, made opening deposit, made another deposit over the weekend, no withdrawals, and today the account was flagged and will be closed in 10 days. My girlfriend and I went into the branch to try to close it in person, and were told that we couldn't get the money until 10 days have passed, and at that time, they'll mail a check. In the meantime, I opened another account at BB&T. I haven't found if they are another bank that does this, but I opened it, and got an email to call them and verify info, which I did and the lady on the phone told me the account is approved. I still have my account at US bank, and at a credit union in Ohio that I opened like 15 years ago for a loan account, but the account is still there. If BB&T give me issue, I may just keep those account and use shared branching with the credit union.
  9. Yes, the student loans were charged off. Oddly enough, I just pulled my equifax credit report to show what it is reporting as, and none of them are on my credit report. They're just gone. They're still on TU, though, listed as "transferred to recovery" . I haven't heard anything from the OC or the servicer since sometime in 2009, but it's still there, and I fear they're just waiting for me to think they forgot, and then jump on me when I buy a house or something. There are 9 other accounts like this, i just didn't think I needed to post all ten accounts. Some I am primary borrower, some I am co-borrower. as for being told that a private loan is not dischargeable, we thought then, and still do think that our attorney was more interested in getting us through BK court so he could get to the next case. he didn't have the best manner of speaking to us, but we just chalked it up to us feeling like deadbeats who were bailing on our responsibilities, anyway, so he probably felt the same as us. AES/NCT #xxxxxxxxxxxxxxxx POB 2461 HARRISBURG , PA 17105 (800) 233-0557 Balance: $0 Date Updated: 08/2009 High Balance: $22,099 Past Due: $0 Terms: $0 for 236 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Primary Borrower on Account Date Opened: 01/2005 Date Closed: 08/2009 Loan Type: Student LoanRemark: >Transferred to recovery< >Maximum delinquency of 120+ days in 03/2009 for $605<Estimated date that this item will be removed: 10/2015 And you're still paying on these? WEll, they weren't discharged, but like I said, the minimum payment on them all is about $1900 a month, and it's not at all affordable, so no, I'm not paying on them. They're not still being reported to my credit on a monthly basis, but they're also not showing as discharged in bankruptcy, so I know they're still lurking... Once I buy a house, or once it becomes obvious i'm trying to get my credit back on track, I fear they'll pop up and threaten to ruin whatever progress I am able to make. Part of that is just my own personal fears based on my own financial situation... I know that smallish bills are not really worth the expense to try too diligantly to collect, thus I don't worry about little $58 collections from the past. A total of $180,000 however seems like an amount that will not only be worth attempting, but also worth playing especially dirty to do so. They may very well look at my assets and decide on their own that theres no way I could afford it and sell it to someone else sometime, I just fear it won't go away on its own...
  10. Yes, the student loans were charged off. Oddly enough, I just pulled my equifax credit report to show what it is reporting as, and none of them are on my credit report. They're just gone. They're still on TU, though, listed as "transferred to recovery" . I haven't heard anything from the OC or the servicer since sometime in 2009, but it's still there, and I fear they're just waiting for me to think they forgot, and then jump on me when I buy a house or something. There are 9 other accounts like this, i just didn't think I needed to post all ten accounts. Some I am primary borrower, some I am co-borrower. as for being told that a private loan is not dischargeable, we thought then, and still do think that our attorney was more interested in getting us through BK court so he could get to the next case. he didn't have the best manner of speaking to us, but we just chalked it up to us feeling like deadbeats who were bailing on our responsibilities, anyway, so he probably felt the same as us. AES/NCT #xxxxxxxxxxxxxxxx POB 2461 HARRISBURG , PA 17105 (800) 233-0557 Balance: $0 Date Updated: 08/2009 High Balance: $22,099 Past Due: $0 Terms: $0 for 236 months Pay Status: >120 Days Past Due< Account Type: Installment Account Responsibility: Primary Borrower on Account Date Opened: 01/2005 Date Closed: 08/2009 Loan Type: Student LoanRemark: >Transferred to recovery< >Maximum delinquency of 120+ days in 03/2009 for $605<Estimated date that this item will be removed: 10/2015
  11. If I attempt to get it discharged, would I need to re-open the bankruptcy in Ohio where I originally filed, or would I be able to re-open it in North Carolina where I live now, since bankruptcy is federal?
  12. The OP mentioned this his student loans were through a private institution, and not federally backed. With this in mind, would he not receive whatever tax refund he was entitled to? That's what I'm thinking. Yes, some of the loans (most) were for my ex wife to go to law school, and I was basically just a co-signer on these private loans through Chase Bank. I forget the name of the program right now, but they were through TERI, and backed by Chase. I haven't been able to settle/negotiate/nothing with them. Even went so far as to go to my parents for help, which I hated to do, and they offered a $50k cash settlement, stating that since we hadn't finished the degree, our earning power wasn't what it should have been, and therefore, it made enforcing the full debt uncollectible. They countered with a settlement offer of $104,000, which my parents declined. I haven't heard anything at all from them (student loans, not my parents) in about 18 months, but on my credit report, they're just listed as charged off. I do have a few federal student loans, as well, but they're already in deferment, and are for MUCH smaller amounts. I did some research on whether or not they'll get my tax refund, and if I'm reading things correctly, since I am now a resident of North Carolina, it looks like they can't garnish wages or take my tax return here for anything other than child support or tax liens, and since they're private, not government, that wouldn't apply. That gave me some small amount of relief. It also looks like the SOL in this state is 3 years, rather than the 15 year SOL I had in Ohio. not sure if my new state laws will apply since i was in Ohio when I signed, but it's hopeful, I guess... I'm glad this isn't the worst thing in the world, or the worst situation on CB. I know I need to finish my degree. I'll look into some of the other options suggested here for getting some temporary help. I guess I'm at the point where I need to put my personal pride aside and accept that the systems are there to help people, and not everyone who uses them are deadbeats, like the social stigma seems to say... Thanks for the advice, and keep it coming.
  13. OK, then I apparently do owe that amount, then. Thanks. Looks like I'll just be staying with Sprint until I can get it handled.
  14. I've reviewed this site the past couple of days, and have come to the conclusion that I think I may be in the worst financial position of anyone here. I'm at a loss as to what to do. I'll try to spit everything out in a coherent, easily understandable way, but the truth is, it all confuses the crap out of me to the point that I have no idea how to handle things. I want to do the right thing, and I want to improve my credit, but I don't know what or how to do it. I have a chapter 7 bankruptcy discharged in July, 2008. We filed on everything. 2 houses, cars, credit cards, student loans, everything... The two houses were discharged easily enough, I had to turn in my 2008 Toyota Camry, (ex)wife turned in her 2008 Saturn Vue, Amex, BOA, and Discover cards were erased, as well as various piddly little collections for cable, etc. Basically, we were just living way beyond our means, didn't realize it until it caught up with us, and by that point, we couldn't possibly make the required payments, even with two incomes. The student loans were private loans, not federal loans, and are not federally backed. However, our attorney told us that we couldn't have them discharged, so we didn't include them, even though they were the main source of our inability to pay. Since then, i've had no new credit, with the exception of a $500 secured Capital One card. I rent my house, and I now drive a 1998 Honda Accord that I bought immediately after the discharge, and now has about 235,000 miles on it. The student loans, which per our divorce agreement, are to be split between my exwife and I, amount to about $1,900 a month. I have rent payment of $595 (which is cheap for this area) plus utilities, insurance, etc. I have only liability insurance coverage on my car, and no renters insurance on my apartment. I live with my girlfriend, who is in college, and unemployed. We don't have cable, don't even own a tv, in fact, and have basic internet, which is required for her school, and therefore not something I could consider a "luxury". To top it off, I didn't even finish college, so I'm working in a job that pays me $11.00 an hour, 40 hours a week. To add to the mayhem, we just had a baby. I don't need to hear that we weren't ready, I know we weren't,. but it happened, and I certainly don't regret having her. However, she has really opened my eyes to the reality here, and I want to get ourself into a better financial situation. I pay my bills, albeit sometimes late, depending on when a payday hits. If I have some extra money, I'd love to do a Dave Ramsey style snowball effect with the bills, but everytime I consider that, the $1900 monthly student loan bill is sitting right there. Do the math, and you see that I don't even MAKE that much money, although, really, I'm only responsible for half that payment, although my ex-wife isn't in any better of a position, and isn't able to pay, either. So, does anyone have any constructive advice on how to tackle this in a way that will work? My girlfriend has suggested a part time job, but if she were to do that, we're just worried her schooling will suffer, and/or whatever she makes would have to be paid to a babysitter, which obviously wouldn't help anything. Since I haven't really done anything to re-establish credit after the bankruptcy, consolidation loans, etc., aren't an option available to us right now. not that my debt ratio would allow it, anyway. We lived in Ohio, and just recently moved to North Carolina to raise our daughter, as my gf has family here and we like the proximity to everything.
  15. You guys have me kinda nervous. I recently moved out of the area where I used to live. I've still got an account at US Bank that is is good standing in Ohio, but now I'm in north Carolina, and there are no US Banks in NC. I opened an account online with wachovia, and went in to make my initial deposit today with no problem. I've seen several posts saying that they will close an account at a later date, though, and I don't want to be stuck without a bank account. Since Wachovia is merging/becoming Wells Fargo in Nc this year, will that make a difference? Should I just expect that I'll get flagged soon, and find another bank before that happens? Lastly, does anyone know of any banks in NC (I'm in the Charlotte area) that don't use Chex or EWS? I'm in Chex for a couple of accounts that are a few years old, but not paid. US Bank knew this and opened the account, anyway, and I've had no issues with them, I just know some banks won't allow accounts. One of the accounts i have in chex is with BOA, so they're not an option. The other is 5/3 bank. Thanks.

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