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Any Recent Chexsystems Successes?


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46 replies to this topic

#1 tmcgill

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Posted 22 August 2016 - 03:58 PM

Your account approval information might benefit someone else who needs an account.


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#2 stevensmileyx

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Posted 24 August 2016 - 12:25 AM

On a frozen chexsystems, I was able to get Security Service Credit Union to approve me for their Power "Merit" Checking, which is used for someone who has problems with chexsystems. I have one chex entry from last year they were unable to see because of the freeze, branch manager just said in cases where they can't pull, it goes to a merit checking, no fees - just no overdraft, unsure if a credit pull was involved. 


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#3 tmcgill

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Posted 24 August 2016 - 08:46 AM

Congrats! Will check their fees and membership requirements.
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#4 jc481

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Posted 24 August 2016 - 05:37 PM

Alliant had no problem opening a checking for me, after several other banks denied due to chex.


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#5 tmcgill

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Posted 25 August 2016 - 06:52 AM

How old is your Chex information?


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#6 Killbadcredit

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Posted 27 August 2016 - 05:42 PM

Recent success with them
Step 1. order your report online Chexsystems.com click request report
Step 2. Mail them a DV letter, send certified mail
That was it, got a new clean report.
Everything cleared
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#7 jc481

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Posted 28 August 2016 - 04:19 AM

How old is your Chex information?

 

Report from last month. Entry was from 3 years ago.


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#8 tmcgill

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Posted 28 August 2016 - 08:42 AM

Yes. There are several banks who will ignore a Chexsystems entry if it is over 36 months old.


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#9 jc481

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Posted 29 August 2016 - 07:50 PM

Thanks for that information. I was wondering why that went through. WF gave me a big denial AFTER accepting my funding. Sheesh.


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#10 saurabh2606

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Posted 06 September 2016 - 11:53 AM

nrl federal credit union gives savings accounts to everybody and you can join them by joining American consumer council.
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#11 tmcgill

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Posted 06 September 2016 - 12:48 PM

Thanks. I will check out their approval process and membership area


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#12 tmcgill

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Posted 06 September 2016 - 01:04 PM

How old is your Chexsystems information? Are you on Early Warning Services?

 

U$X Federal Credit Union:

u$xfcu.org

Membership: Anyone who is on their partner list (Or has relative on the list)

https://www.usxfcu.org/about-us/seg/

Approval: Credit Check (Approved on individual basis)

 

American Heritage Federal Credit Union

amhfcu.org

Membership: https://www.amhfcu.o...WhoCanJoin.aspx

Approval: **No fraud or unpaid items on Chexsystems

 

Banks:  Any experience with these?

PNC - https://www.pnc.com/...al-banking.html

US Bank - https://www.usbank.com/index.html


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#13 saurabh2606

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Posted 06 September 2016 - 01:26 PM

I tried these and they all declined me.
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#14 saurabh2606

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Posted 06 September 2016 - 01:32 PM

My checksystems is very new and I am on ews also . My credit score is like 510 or lower. . I am naming few banks that anybody can join in respect where anybody lives .
1 armed forces bank.
2. Sun trust bank
3 us bank
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#15 tmcgill

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Posted 06 September 2016 - 01:41 PM

Thanks for the update.

 

You may also want to try Woodforest Bank - www.woodforest.com

They have second chance accounts.


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#16 saurabh2606

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Posted 06 September 2016 - 01:59 PM

are you the owner of this website tmc gill. I will create a list of all the banks and credit unions that anybody can join and they don't use anything.
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#17 breeze

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Posted 06 September 2016 - 02:07 PM

are you the owner of this website tmc gill. I will create a list of all the banks and credit unions that anybody can join and they don't use anything.

 

I'm confused. You asked for suggestions several times, then when suggestions were made, you said you had been declined for all of them. Now you are offering to create a list. What gives?



#18 saurabh2606

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Posted 06 September 2016 - 02:14 PM

Actually I was declined for lot of banks. She provided me the list of the banks that I had accounts and was closed down for various reasons . But I can provide the list of the banks that I used in the past and can be beneficial to others.
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#19 breeze

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Posted 06 September 2016 - 02:15 PM

You can post a list if you think it will help others. That's what we do here, help each other. :)



#20 saurabh2606

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Posted 06 September 2016 - 02:19 PM

You know any federal credit union that can join who don't use checksystems
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#21 breeze

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Posted 06 September 2016 - 03:02 PM

Are you asking for yourself? Seems like we might be going in circles here. Are you asking for help for yourself? Building a list from the info here? Offering to post a list here? I'm having trouble following.



#22 saurabh2606

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Posted 06 September 2016 - 03:41 PM

I have zero accounts . I need one savings account at a credit union. Do you know any credit union who don't use checksystems.
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#23 breeze

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Posted 06 September 2016 - 03:46 PM

I'm really not the expert in credit unions and chex. 



#24 saurabh2606

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Posted 07 September 2016 - 02:49 PM

There is a good news who lives in Philadelphia surrounding areas . You guys can join UKFR self reliance a federal union by joining there Ukraine library for free. You just need $5 for savings and 50 dollar deposit in saving which has to remain always or they will close the account and you can get checking account as well . I repeat no checksystems or credit report they check.
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#25 breeze

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Posted 07 September 2016 - 03:04 PM

I couldn't find that online, but I did find rufcu.com - they operate in several cities and are NCUA members, but I don't see anything about PA in the pages I read on their website. Is this the one you mean? 

 

UK credit union led to University of Kentucky. 






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