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ANNOUNCEMENT

 


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.  
 
 
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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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whall1970

Chexsystems Debit History?

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does anyone know what debit history from chexsystems means? I was denied an account because of debit history? My chexsystems record is clear of any accounts

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does anyone know what debit history from chexsystems means? I was denied an account because of debit history? My chexsystems record is clear of any accounts

 

According to ChexSystems:

 

Your debit history can include such items as:

  • Any checking account closures you have had
  • Any returned (bounced) check retailers have reported about you
  • How many financial institution inquiries have been made about you and in what time frames
  • How many check orders you have placed and how often

 

So it's essentially like the "credit history" provided by credit reports, except it's about bank accounts and Chex only records (any) negative information.

 

If you're sure your Chex record is clean, it may be that -- according to the bank than denied you-- you have "too many" "recent" inquiries from opening or trying to open new checking accounts. Do you have many new accounts? The number and timeframe is determined by the bank and such institutions are informally called inquiry-sensitive. You can always call the bank that denied you to get a specific reason.

 

Given the denial, request a fresh Chex report AND also separately request your "Chexsystems Score". This is a "risk score" some banks use when you apply. The score report will include one or more reasons for why your score is what it is, which may provide a clearer explanation.

 

Edit: This site has a crowdsourced list of "Chex-inquiry-sensitive" banks/credit unions.

Edited by qqk

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