Search the Community
Showing results for tags 'credit repair rebuildingcredi'.
Hello!! Ok so here is my dilemma. Not sure if this is the right forum. I’m 25 years old and just discovered what Chexsystem is. I lost my job and my checking account became overdrawn for $420 dollars. Half of which are fees from TD Bank. I contacted TD immediately after I received my first paycheck and they said they were in the process of closing my account it was on day 61; so I just missed it by a day!! Grrrrr! I begged and pleaded ask to speak to supervisors and all I got was there is nothing we could do. So, I hopped online and back on this board and after reading through everything I went the next day which was this past Tuesday and opened up 4 checking accounts Wells Fargo, Bank of America, Citizens Bank and local Credit Union. I didn’t want to take any chances on when they would report me to Chexsystems so I just went the very next day. From what I’ve read once you’re in ChexSystems you can’t open a checking account for 5 years! That’s crazy! There is no way I could go 5 years. The reason I opened 4 is because I saw where some accounts were closed because the bank did a Chexsystems sweep, so I figure out of 4 I have a better chance of having at least one stay open. My other reasons are because I need to establish credit; so I want to get secured credit cards with all these banks and start utilizing. My credit file was blank up until last year. I have 2 collections, one medical and one is from an AT&T bill and I am assuming now the one from TD bank will appear soon. I just started working with Credit saint credit repair (heard good things about them and good BBB rating) I’m not that savvy in contacting the bureaus myself. OK so basically I just need a game plan at this point on how to establish my credit from this point on and rebuild. I REALLY hate I let these stupid 3 things even get on my file! Please help and sorry for the long rant!