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I need a game plan! Please help!!
soblue posted a topic in Chexsystems HelpHello!! 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!