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tmcgill

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About tmcgill

  • Rank
    Chexsystem Black Belt Guru
  • Birthday 10/24/1953

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  • Location
    Dallas, Texas

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  1. Lots of updates and new information to vet. 🥴 I'll post the state by state list before merging into a single PDF for credit unions, with bookmarks for each state. Post any updates, comments or related info about AL CUs. **The final PDF will refer individuals to the CU website to verify membership requirements.
  2. Lol, usually they want some type of proof. If I recall, a CU I joined a few years ago needed a letter from the church showing I currently attended. Some credit unions can be finicky. The operational environment is different than banks. I can easily see one of them creating an issue saying this site was suggesting applicants falsely claim family members. Particularly if they started getting a larger number of charged off accounts.
  3. I'll review this one with the other moderators. Not sure this should be a recommendation of Creditboards. Will let you know what is decided.
  4. Approved? Did you open checking or savings? Finally reached someone who said they allow one negative on Chex that must be paid, and no fraud.
  5. Burgerwars, keep us posted on operational or service updates.
  6. Lots of updates and new information to vet. 🥴 I'll post the state by state list before merging into a single PDF for credit unions, with bookmarks for each state. Post any updates, comments or related info about AL CUs. **The final PDF will refer individuals to the CU website to verify membership requirements.
  7. Thanks for the updates. 👍
  8. Thanks. 👍 https://www.innovis.com/personal/creditReport
  9. ***It's That Time Of Year Again*** Request your free annual specialty CRA reports for financial transactions: Chexsystems, EWS and Telecheck. Review reports for any errors or related incorrect data. NOTE: I also pull Experian, Equifax and TranUnion as well in February. www.annualcreditreport.com Let us know if you have problems obtaining the reports, or assistance disputing false info.
  10. Will post and pin an updated list on Friday. I'm going through my list and verifying if the financial institution is still on the "second chance" list, and which CRAs they use to approve new accounts. If you have CU info on approvals, operations, etc., please share. **Thanks to those who've recently shared info.
  11. Thank you. Will update the list.
  12. Thanks. Will note in bank list. 👍
  13. All the CRAs keep a list of inquiries, Telecheck included. Federal law requires them to verify identity. So, the banks that don't subscribe to Chex, EWS or Telecheck - will use services from Equifax, Experian or TransUnion to vet your SSN and other info.
  14. Agree with Centex. Banks use the Offset at their own discretion. As mentioned above, it is usually in your account agreement, which is based on state and federal law. My suggestion has always been simple: Don't bank there if you owe them money.
  15. Great idea. Keep in mind credit unions may also use Telecheck - and some (often depending on size) have subscribed to Early Warning Services (EWS). I'll review my updates and post options.

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