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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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    Dallas, Texas

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  1. Thanks for the update on Los Angeles Federal Credit Union. Keep us posted on any operational or customer service issues. Yes, inquiries can adversely affect a new checking or savings approval. I post often about randomly applying to banks and credit unions, without finding out their approval process. Always map out a strategy for account applications based on your Chex, EWS and Telecheck files.
  2. They must really want the bad publicity. https://www.dallasnews.com/business/banking/2018/08/30/bank-america-freezes-account-immigrant-phd-candidate-studied-us-seven-years
  3. tmcgill

    Members 1st Credit Union Pa

    Thanks for the update. Yes, banks and credit unions will change new account policies based on loss ratios.
  4. Sounds like a possible inside job. This happened to my daughter a few years ago with Capitol One. She had a 500 card limit but 3000 worth of purchases showed up on the card. She got another card with a new number, - but did not activate it, and then 1500 worth of charges showed up. We're in Texas - but the charges were made in New Jersey. In addition to following the usual ID theft procedures, go all the way to the top of the Loss Prevention executive chain, and contact the head of Loss Prevention/Security for Sears and Citi in writing. In my daughter's situation we got things cleared quickly when we notified a VP (with copies to other key executives).
  5. You mentioned one of the banks where you applied could not verify your identity. I've seen this before when there was a problem with SSN verification, or the CRA could not confirm a license or state ID format. As Stevensmilexy mentioned, pull your Lexis and carefully review your identifying information. The big 3 CRAs - as well as Chexsystems pull from Lexis, as it is a major data aggregator. I would also get your free annual reports from the Big 3 and check for ID discrepancies. www.annualcreditreport.com Note: If the process is unable to verify identity, you may need to send in a copy of your ID and get copies by mail. Until you pinpoint and correct the issue, you will have to use one of the alternative banking solutions.
  6. Here are the requirements: https://consumercomplianceoutlook.org/2013/second-quarter/adverse-action-notice-requirements-under-ecoa-fcra/ Table 4 on the site page gives specifics on notice content requirements. (Scroll down)
  7. Regarding the above list: Always call and find out the approval requirements so you don't have another useless inquiry. The plus about credit unions: Even if you have to travel to open, you can bank locally with other CUs in their network. Keep us posted. Quote
  8. Good suggestion from Stevensmileyx about Lexis. Possible Nevada options to check out: Nevada: Bank of the West https://www.bankofthewest.com/ (Has a fresh start account. If your Chex entries are older than a year, you might qualify. Also, they require no fraud entries) West Star Credit Union http://www.weststar.org/ Requirements: https://www.weststar...e-a-member.html Clark County Credit Union - www.ccculv.org Requirements: https://www.ccculv.o...o-Can-Join.aspx One Nevada Credit Union - www.onenevada.org Requirements: https://onenevada.org/open/
  9. Thanks for the update. Yes, EWS is often the deciding factor in an approval. They are the fraud watchdog CRA for bad checks, check kiting, etc., but people get reported even when there has been no fraudulent activity.
  10. Unusual to pull Chexsystems for auto financing. There are other options for checking accounts. Credit unions are a good source, and some approve if you join an organization they are affiliated with. If you join one not in NV, you can still bank locally if there is a local branch in that network. There are also brokerage accounts that come with debit card and checks. I'll suggest more options once I'm through scanning the list.
  11. Excessive Chexsystems inquiries may result in denials. If the bank uses Chex scoring, your file may be clean - but excessive new account inquiries can lower the score. Just to confirm - EWS is clean? Possible option: Chime Bank - (Internet Only) Comes with Visa debit, routing and account number. The mobile app keeps you updated on your balance and transaction activity. No NSF or monthly fees - www.chimebank.com What is your city and state? I'll check for local banks and credit unions.
  12. tmcgill

    chexsystem removal

    No magic wand or magic solution. You have to analyze the negative info and determine if you have an error - or legal leverage to use. No guarantees. There are, however, a lot more second chance banks and credit unions out there.
  13. tmcgill

    Best Secured Cards - 2018

    Thanks for the all the responses.
  14. tmcgill

    Best Secured Cards - 2018

    Are these the best options? https://creditcards.usnews.com/secured
  15. Possible options for a business account in the NY area. **To save time and a possible wasted inquiry, always call and verify current approval requirements. Woodforest Bank - woodforestbank.com Runs Chexsystems but offers second chance accounts. PNC Bank - pnc.com **Has been known to approve with negative Chexsystems information. Affinity Credit Union - affinityfcu.com (Ways to Join) https://www.affinityfcu.com/join-affinity/eligibility.aspx **They use to run a credit report. Call and verify their current approval process. Peoples Alliance Credit Union - pafcu.org (Membership Requirements) https://www.pafcu.org/membership/ **When I last recommended them, they were verifying identity only.

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