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So here is my situation: -My checking account was closed after an overdraft and that amount plus fees (~$700 with fees) were put into Chexsystem -I have a closed, charged off credit card account where I owe ~$3500, with Capital One -Capital One merged with my old bank so both accounts are with Cap1 I have no checking account. I use Serve, and cash. I also have a ReadyDebit prepaid account that I dont actively use anymore (Serve is better) I am about to receive a large check for helping some relatives renovate and sell some property. Next week I will be receiving a 4 or low-5 figure check. How and where can I deposit it? I have not tried to open a checking account and have not had the funds to payoff the accounts until now. I would like to negotiate my settlements in good faith and start a checking account somewhere without Capitol One just taking it off the top.
Anybody use Chex Approval or a similar service?
neveragain2014 posted a topic in Chexsystems HelpI just found this service called Chex Approval. They claim to get your chexsystem cleared. Has anybody used this or aware of a competitor? What was your experience? http://www.chexapproval.com/#!process/ccjb Get your negatives cleared for a fee from a site with no named personnel or testimonials ---I'm skeptical. And would this work more certainly or faster than just writing a good will letter?
BBVA Compass bank and ews
cmv1994 posted a topic in Chexsystems HelpHi all, im a newbie here but let me explain my story. About 2 1/2 years ago i got an overdraft of $500 dollars at my credit union that i was in (San Mateo Credit Union to be exact). Around the same time i lost my job and was unable to pay my bank back, after a certain time they sent me a letter saying that they reported me to the collections agency, and a few weeks later i got a letter from the collection agency asking to pay up but to my luck i was still un employed and had no job or money whatsoever. I recently got employed again and wanted somewhere i could deposit my money, so today i opened and account at BBVA compass bank. To my suprise it went fairly well, i was able to open a checking and savings account. But now im reading online that theres a possibility i could be shut down by somethimg called the EWS? If i was reported to a collection agency is there a possibility i was also reported to them? I deposited a fair amount of money, so im kind of worried something will go wrong, had anyone had similar problems? How can i know if i was reported to the ews?