Friday, December 25, 2009

Which banks do not use chexsystems?

Chexsystems covered almost more than 80% in all financial institution (according to chex systems data).So when people ask you Which banks do not use chexsystems?There is still a chance for good answers.There is still existed some small credit unions and few smaller and less popular banks that do not use chexsystems when verifying new checking accounts.It a good news to those who already being banned/blacklist by banks and really need a checking account.If you look out for those 20% banks that do not use chexsystems, you will find it and grab the chance.

For a list of good and valid bank list that do not use chexsystems, you can search within this blog content.I previously post about it and i will in future.It was also new trends that larger banks like Citibank, Bank of America, US Bank and others.These banks had starting to ignore record that filed more than two years.It is said related to the Federal Reserve's inquiry into ChexSystems.

Wednesday, December 23, 2009

Why do everyone needs a prepaid debit card?

Check cards and credit cards are great. They allow you to spend your money more easily, and also give more freedom to buy what they want and need without worrying about how much money you have a credit line as it were. However, there is something to be said for the prepaid debit card. It's a great money management tool, if you have other credit or debit card or not. The glory of the cards is that you can load only with the money you want to invest in an expense and then they will not risk spending more. You can also use to pay bills online, so your bank account information is not compromised.

Most web sites are very safe these days, but identity theft remains a problem. With so many businesses accept online payments for utilities and other bills, having a card with less risk of losing their purpose. Think of it this way. If you pay your electric bill online for $ 125, and someone hacks into the site or your computer and steal your information, you could risk losing everything in your checking account or have their credit card maximum out. This is a rare occurrence, but not to make you feel better put that money into a prepaid debit card and spend as you need? Then when the money is gone, if someone steals your information and try to use the card, you can simply cut and a new one, without loss of its financial situation.

Many people think that prepaid debit cards are reserved for those who can not obtain other cards or for neither? You are being taught that financial responsibility. The truth of the matter is that there are many uses for prepaid debit cards no matter who you are or why you use it, because there is something for everyone. When it first appeared, prepaid cards have high fees for loading money on them and maintaining certain balances. But now there are plenty to choose the cards that are completely free, including ATM withdrawals, and the addition of funds.

There are many credit cards that have been incorporated in programs to promote the card, so that when used properly and managed well, it helps your credit rating over time. That does not work as fast as a credit card, but better than nothing when you are limited in their options. In general, services of prepaid debit cards are great for anyone who wants more control over their money or need a way to spend wisely without carrying cash around too much.

Friday, December 18, 2009

Chexsystems removal-Example Dispute letter

Whenever we are talking about chexsystems banks, we might also want to know if there is a way to get out of the chexsystems list.Or in another words, an alternative way of chexsystems removal which is through a chexsystems dispute letter.A dispute letter is one effective way to get out of the chexsystems.If you already got your chexsystems consumer report, look at it carefully.Find if there is any errors.If there is any errors, you have a bright chance to get out of the chexsystems.

You can actually send a dispute letter to chexsystems and ask them to remove the errors.By removing the errors,chexsystems clean the report and you might be able to clean up your name too.You then can get a any checking account bank you desire.

Ok, if you are wondering how to write a chexsystems dispute letter, here's some favor.Here’s the sample. If you have questions, add a comment below and we’ll try to help.

Sent Via Fax to 602-659-2197
Date: ———
Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100

Woodbury, MN 55125 RE: Request for Reinvestigation for John Doe Consumer ID: xxxxxx

Dear Sirs/Madam:

I recently received a copy of my ChexSystems Consumer Report from you. The date of the report I received is _______. I have carefully reviewed the report, and discovered one or more errors in the report.

This is a request that you investigate the following items that appear on my ChexSystems Consumer Report, and take appropriate steps to correct the errors:

[X] The following personal information about me is incorrect:

Erroneous Information Address is shown as: 55 Oak St, York, PA 02333 Phone is shown as: (434)234-2323

Correct Information My correct address is: 123 Main Ave., York, PA 02333 My correct phone is: (434)883-8372

[X ] The following “Reported Information” item(s) are inaccurate:

Source of Information: Jonestown Bank Erroneous Information: Account # 2342343 This information is inaccurate. I never have had a bank account with Jonestown Bank.

Source of Information: First Bank of PA Erroneous Information: Unpaid debt of $193 This information is inaccurate. Although I did have a balance due with First Bank of PA, I paid the debt on 1/1/2007. I am attaching a copy of my check dated 1/1/2007 for $193. Please mark the debt as paid in full or remove the item.

[X] The following inquiries are more than three years old and should be removed:

Inquirer’s Name First Bank of USO Second Bank Date of Inquiry 1/1/2004 10/1/2004

[X] The following inquiries were not authorized: Inquirer’s Name “Sample Bank”

Date of Inquiry: 5/1/2007

Explanation: I never applied for an account at “Sample Bank”

[X] The following information is over 5 years old, and should be removed from my report:

Source of Information: Second USA Bank

[X] Other incorrect information:

My ChexSystems Consumer Report indicates that I ordered checks on 7/1/2007. This is incorrect. I did not have a checking account at that time, and have not ordered any checks recently. The accuracy and completeness of the information contained in my ChexSystems Consumer Report is extremely important to me. Each of the items noted above is either inaccurate or incomplete, and I understand that you will carefully check each item specified above. I also understand that you will confirm the accuracy or completeness of the information above with the entity that reported the information to ChexSystems.

I expect that ChexSystems will remove any information that the reporting entity(s) cannot verify and will modify any information that is incorrect or incomplete. I further understand that under 15 U.S.C. Section 1681i(a), you must complete your reinvestigation within 30 days of receipt of this letter. Thank you for your prompt and diligent attention to this matter.

Sincerely, ________________________________________
/John Doe /
John Doe
123 Main Ave.,
York, PA 02333
(434)883-8372
SSN: 555-55-5555
DOB: 01/12/1958

Enclosures: -Copy of Check Dated 1/1/2007

Tuesday, December 15, 2009

iBankUp from UpSide a New second Chance Bank

Ever heard of iBankUp?Well if you are looking for a second chance bank for new checking accounts, then you come to the right posrt.iBankUp from UpSide are now offering new second chance bank account.
second-chance-bank-checking-account
Here are some iBankUp account comes with the following features:
All the features of a checking account, even if you have bad or no credit
Avoid the hefty fees charged by traditional banks!
No monthly fee if $300 or more is loaded each month. Only $1.99 otherwise.
No overdraft fees. No decline fees.
Free Direct Deposit from employers. Deposit cash at 60,000 locations nationwide.
Write personal checks, best to pay rent or other bills.
Includes a Visa Prepaid card which is accepted like any Visa debit card. Up to 12% cash back on online purchases

With all these features, i think it is a very good deal iBankUp from UpSide had to offer.Not many bank offers a second chance checking accounts.When everyone were looking for second chance checking account that offers non chexsystems.So, this iBankUp from UpSide may not be around for so long since there is not so many non chexsystems banks available nowdays.

Monday, December 14, 2009

Debit Card May vs Checking Account

The problem with being on the ChexSystems list is that it makes it hard (if not impossible) for you to open a new checking account for several years. But what if checking accounts were not as useful as they used to be? If that were the case, being on ChexSystems might not be so bad after all. Here’s news about a trend that may make you rethink whether you really need a new checking account.

There’s a great article in the Los Angeles Times, which discusses a recent trend among large grocery stores — the refusal to accept personal checks for purchases. One large grocery chain in California (Fresh & Easy Neighborhood Market) does not take personal checks at any of its 70 stores.

Another large chain (Whole Foods) is also considering a similar ban.

Here’s why they are doing it. Processing personal checks is time-consuming and expensive (and everyone is trying to reduce expenses in this economy!). Also, most people can easily pay for their groceries with cash, debit cards or credit cards. The use of credit or debit cards also provides both the customer and the retailer with some additional payment protections which are not available when checks are used.

So what do you do if you don’t have a bank account or a credit card? Simple — there are dozens of great prepaid debit card accounts available which allow you to buy things using a debit card at any retailer that accepts Visa or MasterCard.

If the checkbook becomes obsolete, then people who can’t open a checking account are in a great position — simply open a prepaid debit card account and use your shiny new Visa or MasterCard debit card to make purchases. For merchants that still accept checks (such as your landlord, or your utility company), these debit card accounts allow you to write checks online (using an online bill pay service), so you have the best of both worlds

Non Chexsystems Banking

I became interested in ChexSystems a few years ago when a friend became entangled in the ChexSystems web. ChexSystems is a credit reporting agency that reports mishaps with a bank to other banks. After becoming listed in ChexSystems it can take up to five years for the listing to be removed.

I am sure ChexSystems protects banks from fraud however ChexSystems at times prevents folks from being able to open a bank account that made a banking error like leaving a bank account overdrawn for a period of time. Even worse a bank can close an account that is in good standing when a different account at a different bank has been defaulted on and reported to ChexSystems!

In the case of my friend she deposited a large check in to her bank account. The check came back non sufficient funds and my friend did not have available cash to cover the overdraft. The bank closed the account and reported the action to ChexSystems. My friend eventually paid the bank back in full but she was still listed on ChexSystems.

Her paycheck had been direct deposited for years. Once her bank found out about the overdraft they closed her account. It was very embarrassing for her to go to Human Resources at her job and change over to paper checks.

After some searching I found that certain banks offer deposit accounts with a debit card that allow you to direct deposit your payroll or income check and use a debit card to draw the funds and pay bills.

I publish a website that offers practical solutions for consumer credit issues since May 2000. BadCreditInfo.com I feature a debit card that allows direct deposit to a real bank account with no credit check, guaranteed approval, no upfront fee, free direct deposit and you can shop and pay bills online.

The debit card is convenient for shopping and money management and if you consider the gas to drive to a check cashing place the time and energy to do so, plus the check cashing fees this card is a real money saver! Did I mention you can pay bills like utilities, phone, gas and electric online?

This card is not a credit card but it does offer a feature that will allow you to build credit and it reports to a credit bureau! I myself have been through the credit card lifestyle of living beyond my means. I love having a debit card, I spend what I have and that's it! Also, there are no overdraft fees!

As I stated above I have been Internet publishing for eight years. I am familiar with this card and the competitors products. I am proud to offer Account Now, they have the largest network of ATM and locations to "load" your card, which means deposit funds to your account in bank talk. Account Now does not charge an upfront fee. If you want the card click the link, no money due today. There are many sites that charge up to $100 up front just to get the card.

Second Chance Checking Account

ChexSystems protects banks from fraud however ChexSystems at times prevents folks from being able to open a bank account that made a banking error like leaving a bank account overdrawn for a period of time. Even worse a bank can close an account that is in good standing, when a different account owned by the same person, at a different bank, has been defaulted on and reported to ChexSystems!
People that can't open a checking account need an alternative that allows them to be able to bank while listed on ChexSystems, fortunately there are 2nd chance checking accounts.

Second chance checking accounts are useful when ChexSystems stops you from opening a
checking account? Get a second chance checking account with no credit check! It gets even better! If your payroll or income can be direct deposited there is no fee for direct deposit!Second chance checking accounts mean no more standing in line and paying high check cashing fees.

Tuesday, December 8, 2009

Article:Chexsystems checking account

The ChexSystems provides verification services to deposit account to the members of your financial institution to help identify applicants that you may have a history of account mishandling. The service seems useful, and it is for banks and financial institutions. It helps them to be alert for fraud and other abuses. Habitual and those who intentionally write checks must have their criminal activities recorded in ChexSystems. However, not all activities are negative instances of fraud or intentional misuse. Many consumers have written at least one check that has bounced back and if he had closed a checking account in the negative and not pay the negative balance in time, the bank had informed consumers ChexSystems.

Each report submitted to ChexSystems remains on file for five? You, unless the bank or credit union that filed the report with them has been eliminated or ChexSystems becomes obligated to delete the file in accordance with the law . However, if a collection is reported amount is paid, it is obliged to mark the account as paid.

If reporting to ChexSystems sure not to close the checking accounts of any other you may have. Pay all overdraft fees as soon as possible. Make a good personal check in which they are written out. Once you have paid the overdraft fees and satisfied everyone that had received a returned check, then make sure you have an explanation of the material inserted into your ChexSystems file.

Just because you are in ChexSystems, there are still ways to get a checking account in a bank. Sometimes this can be overlooked by the official bank of what may be able to open a new account. There are also many online banks that offer second chance checking accounts to people who have been reported to ChexSystems.

Wednesday, December 2, 2009

Get Checking Michigan financial education program

One way of getting out from chexsystems is through education.Well, it is the best way because we can actually learn and understand where the mistakes that lead to your name listed in chexsystems list.For those who interested, there was Get checkingn program.One of it held in Michigan called Get Checking Michigan program conducted under a new program alliance by CheckingNetwork USA. Get Checking Michigan offers consumers an opportunity to restore banking privileges with participating financial institutions.

Get Checking is a financial education program designed specifically to help consumers re-gain access to banking.

Get Checking is a six-hour class for individuals who are locked out of banking due to a NSF reported to ChexSystems by the former bank. Consumers seeking a second chance and wanting to learn more are invited to REGISTER...

- Order your ChexSystems report by calling 1-800-428-9623 or visit www.consumerdebit.com to request your free copy. Bring the ChexSystems report to class and proof of restitution!
- Review the class schedule link and complete the registration form to register for a location nearest you.
- Registration fees are payable with a money order: $40 per person or $60 per couple. Registration fees must be paid in advance. Call 1-866-246-8852 for pre-registration details.
- Get Checking Michigan is open weekdays from 9:00 am to 5:00 pm. For more information, call 1-866-246-8852 during normal business hours.

Monday, November 30, 2009

Do I need a lawyer if I reported to ChexSystems?

Many people are unaware of the existence of ChexSystems until it is too late and are reported to ChexSystems by their banks. Normally, if you keep your accounts properly, ChexSystems will not be a problem for you. However, banks sometimes mistakenly report by consumers ChexSystems and sometimes consumers are perceived negatively because they reported being defrauded until too late.

Hence it is important to be forewarned about what is ChexSystems, what if you are reported to them, and what resources you have once been reported. Although this FAQ provides general information about ChexSystems and the process of the dispute have been reported, is not intended to take the place of qualified legal counsel.

If you have been reported to ChexSystems and feels that there are other legal implications, you should seek advice from a qualified attorney. reported to them, and what resources you have once been reported. Although this FAQ provides general information about ChexSystems and the process of the dispute have been reported, is not intended to take the place of qualified legal counsel. If you have been reported to ChexSystems and feels that there are other legal implications, you should seek advice from a qualified attorney.

Wednesday, November 25, 2009

How to Open a checking account while in ChexSystems

The ChexSystems provides verification services to deposit account to the members of your financial institution to help identify applicants that you may have a history of account mishandling. The service seems useful, and it is for banks and financial institutions. It helps them to be alert for fraud and other abuses. Habitual and those who intentionally write checks must have their criminal activities recorded in ChexSystems. However, not all activities are negative instances of fraud or intentional misuse. Many consumers have written at least one check that has bounced back and if he had closed a checking account in the negative and not pay the negative balance in time, the bank had informed consumers ChexSystems.

Each report submitted to ChexSystems remains on file for five? You, unless the bank or credit union that filed the report with them has been eliminated or ChexSystems becomes obligated to delete the file in accordance with the law . However, if a collection is reported amount is paid, it is obliged to mark the account as paid.

If reporting to ChexSystems sure not to close the checking accounts of any other you may have. Pay all overdraft fees as soon as possible. Make a good personal check in which they are written out. Once you have paid the overdraft fees and satisfied everyone that had received a returned check, then make sure you have an explanation of the material inserted into your ChexSystems file.

Just because you are in ChexSystems, there are still ways to get a checking account in a bank. Sometimes this can be overlooked by the official bank of what may be able to open a new account. There are also many online banks that offer second chance checking accounts to people who have been reported to ChexSystems.

Monday, November 23, 2009

Chexsystems and checking accounts

If you try to open a bank account and reject it, possibly because his name appears in the system of ChexSystems, the largest national company auditing. Banks use auditing services to exclude applicants who have mishandled any previous bank account. If you previously had a checking account overdrawn who left with a negative balance, it is possible that your name appears on the ChexSystems database.

Under federal law, ChexSystems is considered as "a specialized credit bureau and must comply with the law" Fair Credit Reporting Act (FCRA) of the Federal Trade Commission (FTC). Reports of individuals remain on file for five years. The bank or credit union that provided the information can make the decision to delete the report within five years.

You are entitled to receive a free copy of your ChexSystems report each year. Call 800-428-9623 or visit www.consumerdebit.com for a free report. Get a report if you have been denied a bank account or is a victim of bank fraud bank fraud An example is when someone forges your signature and steals your checks to use them. Your ChexSystems report includes instructions for disputing inaccurate information. The company must investigate your claim and notify the results within 30 days.

SCAN (Shared Check Authorization Network) and Telecheck are databases of bounced checks. If your check was not accepted in a store can get a free report by calling 800-262-7771 SCAN and Telecheck at 800-835-3243.

Sunday, November 22, 2009

ChexSystems Questions and Answers (Q&A) Session 3

There are so many questions asked when it comes to chexsystems.Of course people are afraid of it since chexsystems makes you trouble since you can't
What ChexSystems Does
ChexSystems simply keeps records about people who have “abused” or mismanaged a deposit account. In other words, they have a list of people who bounce checks or owe a bank some money.

If you bounce checks, your bank may report you and your activity to ChexSystems. ChexSystems then shares that information with other institutions that ask about you. It’s kind of like an agreement among the banks to help each other avoid risky customers.

Any negative reports are kept on file for 5 years. After that time, ChexSystems removes the report. In addition, a reporting bank can ask ChexSystems to remove a negative report.

ChexSystems also offers some additional identity verification services to banks, but the meat-and-potatoes is the risk reporting.


What ChexSystems Does Not Do
ChexSystems does not decide whether or not you should be allowed to have a bank account. They simply tell an inquiring bank what they know, and the bank makes the decisions.

In addition, ChexSystems doesn’t have a complete history on everybody. First, ChexSystems only keeps records of negative items. Contrast this to a credit bureau that also keeps records of well maintained debts. Another way to look at this: if you’ve got a credit history it generally helps; if you’ve got a ChexSystems history it hurts you.

ChexSystems is only as good as the information it receives. If a bank fails to report a mismanaged account, ChexSystems will never know. Likewise, ChexSystems may have erroneous information that the consumer needs to correct

Monday, October 26, 2009

ChexSystems Questions and Answers (Q&A) Session 2

There is a lot of questions asked upon chexsystems especially a list of non chexsystems banks available out there.But still we need to understand what really is chexsystems and what does it capable of restricting you or prohibit you some action such as opening a new checking account.These ChexSystems Questions and Answers (Q&A) Session might help you understand chexsystems well.

Who is ChexSystems?

Chex Systems, Inc. provides account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or their bank).


Is ChexSystems a credit bureau?

Chex Systems, Inc. is a consumer-reporting agency governed by the federal Fair Credit Reporting Act (FCRA) and other laws. The Federal Trade Commission enforces the FCRA.



How long does the report stay on file? How do I get it deleted?

Each report submitted to ChexSystems remains on our files for five years, unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law.



My account was paid. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report of account mishandling due to payment of monies owed. However, the member is obligated to update the report with a paid in full or settled in full date when applicable.



How can I see what is in my file?

You can order a copy of your report from ChexSystems.



Why does my consumer report only show the last 4 digits of my Social Security number, Driver's License number and/or account number?

This information is masked to protect the privacy of your personal information. If you would like to receive a copy of your report with unmasked data, please submit your request in writing, with a clear indicatation of what information you would like to receive unmasked.



How do I dispute information?

ChexSystems will reinvestigate any item listed in your consumer report that you believe may be inaccurate or incomplete. Please select the following link to obtain information about how to submit your dispute. If you believe the information listed on your report under Drivers License Verification is incorrect, please refer to State DMV Contact Information.



How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file describing the nature of your dispute of the information. Please select the following link to obtain information about how to submit your statement.



Why do I have to give you personal information, like my and driver's license number?

We ask for this information to ensure that we make a complete and accurate search and are able to identify all information that may pertain to you.



Why did you decline my account?

ChexSystems neither approves nor declines accounts. The decision depends on the policies of the institution you attempt to do business with.



Why can't I get a copy of my spouse's report?

We are required by law to deal directly with the individual to whom the information pertains. We strictly adhere to this to protect consumer privacy.
To discuss the information with anyone else, we must receive a notarized Power of Attorney or specific written instructions, signed by the consumer whose information is being requested, authorizing us to disclose the information to the person named in the Power of Attorney.



What does NSF activity mean?

NSF (or non-sufficient funds) activity refers to overdrafts that occur on an account.



How can I opt-out of pre-screened offers of credit?

Under the federal Fair Credit Reporting Act (FCRA), consumer credit reporting agencies are permitted to include your name on lists used by creditors or insurers to make "pre-screened" offers of credit or insurance that are not initiated by you. The FCRA also provides you the right to "Opt-Out", which prevents consumer credit reporting agencies from providing your credit file information for "pre-screened" offers. If you choose to opt-out, your name and address will be removed from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5 OPTOUT (1-888-567-8688). You may opt-out with ChexSystems at 1-877-OPTOUT 5 (1-877-678-6885).



Who has access to my consumer file?

ChexSystems is governed by the Fair Credit Reporting Act (FCRA), consumer protection legislation designed to ensure that the gathering and sharing of consumer information is done accurately, fairly and with respect for the consumer's right to privacy. You can request a copy of your consumer report at any time. In accordance with the FCRA, your consumer report can only be disclosed to others having a permissible purpose (legal right) for that information. Examples of legitimate requests include:
According to your written instructions
A business transaction initiated by you
Pursuant to a court order or federal grand jury subpoena
Use of information for employment purposes, with your written permission
Your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law
A child support determination, under certain circumstances



How do you handle online security?

All online transactions will require the use of a secure browser such as Netscape Navigator 2.0 or higher, or Microsoft Internet Explorer 3.0 or higher.
ChexSystems, Inc recognizes the privacy of the information you provide to us and takes steps to ensure the privacy and security of consumer transactions.
We use Secure Socket Layer (SSL) to encrypt internet transactions, which makes it safe to enter and transmit personal information over the Internet.



How can I tell if my online session is encrypted?

If you are running Netscape Navigator, look in the lower left-hand corner of the browser. You will see a small closed lock icon as an indication that your session is running in an encrypted mode. When your session is not encrypted you will see an open lock icon.
If you are using Internet Explorer, you will see a lock icon displayed in the bottom right corner of the window when you are on a secure page.



What are my rights as a consumer under the FCRA?

The FTC has published a summary of your rights under the FCRA. This information can be found by selecting the following link:Summary of Rights.

You can always go visit ChexSystems Questions and Answers (Q&A) Session for more similar questions and answers that people asked about chexsystems.

Tuesday, October 13, 2009

ChexSystems Questions and Answers (Q&A) Session

What is ChexSystems?

ChexSystems provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or by their bank). ChexSystems is also licensed to do business as ChexSystems Collection Agency providing debt collection services to members participating in this service.

Is ChexSystems a credit bureau?

ChexSystems is a consumer-reporting agency governed by the Fair Credit Reporting Act (FCRA) and other laws. ChexSystems Collection Agency is a debt collector subject to the Fair Debt Collection Practices Act (FDCPA) and other laws. The Federal Trade Commission enforces the FCRA and FDCPA.

How long does the report stay on file?
How do I get it deleted?

Each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. The decision to delete a report is entirely up to each bank or credit union and its individual policies.

I paid the bank. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report of account mishandling due to payment of monies owed. However, if a collection amount is reported, the member is obligated to mark the account as paid.

How can I see what is in my file?

You can order a copy of your report from ChexSystems.

How do I dispute information?

ChexSystems Consumer Relations Department helps people who believe their file contains misinformation. Visit disputes for more information.

Why do I have to give you personal information, like my social security number and drivers license number?

ChexSystems ask for this information to ensure that they make a complete and accurate search and are able to identify all information that may pertain to you.

Why did you tell the bank not to open an account for me?

ChexSystems neither approves nor declines accounts for banks and credit unions. The decision is entirely up to them.

Why wasn't my ChexSystems report removed when I filed bankruptcy?

A bankruptcy filing only affects the collection of outstanding debts. It does not require the removal of accurate factual information concerning your account.

Why can't I get a copy of my spouse's report?

ChexSystems is required by law to deal directly with the individual to whom the information pertains. They strictly adhere to this to protect consumer privacy. To discuss the information with anyone else, ChexSystems must receive a notarized Power of Attorney or specific written instructions, signed by the consumer whose information is being requested, authorizing ChexSystems to disclose the information to the person named in the Power of Attorney.

What does NSF activity mean?

NSF ­ or non-sufficient funds ­ activity refers to overdrafts that occur on an account.

Do I pay ChexSystems or the bank?

It depends. If your report contains a record of an outstanding debt and you have received collection notices from ChexSystems Collection Agency, you pay ChexSystems Collection Agency directly by sending your check or money order to:

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125

In other cases, you pay the bank or credit union directly.

How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file describing the nature of your dispute of the information. If you wish to add a statement to your file, you must submit your statement in writing with a clear indication that you wish the statement to be added to your file, ensuring that you sign the request. If you would like assistance in writing a clear summary of your statement, you may contact ChexSystems or obtain the assistance from your Attorney.

How do I contact ChexSystems?
CALL
ChexSystems
Consumer Relations
1-800-428-9623
(Recording only-Instructions)

WRITE
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125
FAX
602-659-2197

Inquiry about negative information on file:

Information you will have to send if you have been rejected by a bank or you have received notification that there is negative information on file that shows you still owe a bank money.

Either send your request in writing or by fax. Make sure you have available the following information to submit to them:

* your full name and any alias names used
* your current and prior address (5 years)
* your social security number
* your driver license and/or ID card number
* any business you signed on during the pass 5 years.

We hope that you can resolve your personal problem. If we can assist you further, please contact this office by phone, e-mail, or in writing.

Friday, October 9, 2009

Non-chexsystems with Military Option

Non-chexsystems in an alternative if you get banned.You can always go for Military Options (they have mutual brushwood all over the US so you do NOT want to dispatch this one up if you are eligible for membership).You can get you checking account if you are eligible to get one!Why not try it out guys!It never hurt to try, but it hurts when you never try.Perhaps this military option is actually close in near future for people whi had their name in the chexsystems list to open a checking account .Below the link.

NAVY FEDERAL CREDIT UNION

http://www.navyfcu.org

Important Information:

If you are eligible for membership you will get an account, They do not use chexsystems or Telecheck. So far no one has been bowed down for this account if they converge eligibility.

Revise 8-28-08 Just talked to them and they still do not use chexsystems or telecheck

Membership Information:

Eligibility Checklist
Navy Federal's tackle of the National Credit Union determined membership Administration. If you are in any of these categories, you are eligible to adhere:

All Department of Defense (DoD) uniformed personnel—Army, Navy, Air Force and Marine Corps, retirees and annuitants

All Department of Defense Reservists—Army, Navy, Air Force and Marine Corps—regardless of drill repute—retirees and annuitants
All Army and Air National Guard Personnel—regardless of drill status—civilian employees, retirees and annuitants
All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs

All DoD civilian employees

U.S. Government employees assigned to DoD installations

DoD contractors assigned to U.S. Government installations

Family Members, counting grandparents, parents, spouses, siblings, grandchildren, children (including adopted, foster and stepchildren) and household members

Once your family members have joined, they can tender the membership opportunity to their family members, too.
- the also proposal matter accounts

Over the existence many people have been tickled to get an account at Navy FCU. Below is a person that recently got an account with them.

Article Credits:chexsystemsvictims.com

Tuesday, October 6, 2009

Dispute chexsystems

Whenever you read out this term, dispute chexsystems perhaps some of you already know what it is all about.Some might say what?Dispute chexsystems?You've got to be kidding.The truth is,If you are certain this is a misjudge. Dispute the theme with the Bank that reported you!

No concern any tier executive, or worker, may tell you... They can inform Chexsystems and instruct them to subtract your name from their list. They placed you in Chexsystems and they can have you detached at any time!This is what many people don't know about chexsystems.

All your communications with them should be in copy so you will have a documented chronicle of everything.

If the riddle was clearly their blunder, propel them a letter along with copies of any documentation that ropes your stance. You don't want to rude... But you want to be stiffen and make it lucid to them... That you know.... It is a violation of federal laws to recount any information that is inaccurate, or misleading, which is exactly what they have done.

Depending on the circumstances, for some people ChexSystems exclusion will be incredibly tranquil. For others it will take some strength, time, and a lot of patience.However, at the end it is important for everyone to get chance to get out of the chexsystems list.Everybody's need to to open a checking account no matter who you are or what you do.At least we need to try this and look whether it's working or not.

Monday, October 5, 2009

Background on Chex Systems, Inc

Banks rely on ChexSystems primarily to help them hide applicants for new accounts, especially scrutiny accounts. Checking accounts don’t produce much money for banks; many deal them unbound in hopes of alluring you to invest in more lucrative goods.

Nevertheless issued indiscriminately, scrutiny accounts can expose the save to considerable fraud and eat into profitability. According to a September 2000 tell by TowerGroup, fiscal institutions were hit for an estimated $1.3 billion in verify fraud in 1998. Merchants adrift an estimated $13 billion to bad checks that same year. Since previous account harms are considered a key analyst of latent hazard, many (although not all) element banks will deny an account based on a ChexSystems boom.

In these scenarios, the client frequently considers ChexSystems the bad guy even though it has nothing to do with any result pecuniary institution might make based on information in its folder.

"The facts that is stored within ChexSystems is factual, accurate data; it’s what happened. Now, how the save uses that information is completely at their discretion," says Nelson, chief privacy officer of EFunds. "Just because there is an account closure on march in ChexSystems is not an automated decline at every pile. The financial institution sets its own limitations."

A little excluding than 50% of the people that are reported to ChexSystems, use Non-ChexSystems Banks to overcome their question. Over 50% of the choice to prospect up an untraditional mass account often called "back occasion slope accounts" - regularly a checkless save account together to a subtract license. "With the high petition for minute fortune banking crop, we’ve joined with a handful of well-respected banks and institutions to present their “flash opening” glance accounts. Although, these types of accounts are primarily checkless, they do give all the benefits of a reliable glance account with deposit routing number, account number, and deduct card.

"Our original mission was to fashion a website where people with earlier downbeat banking histories could find honestly solutions from trusted companies, and this is the same mission that drives our dealings nowadays."

Thursday, October 1, 2009

Checking account vs Prepaid Debit Card

The lawsuit, being on the ChexSystems slope is that it makes it hard (if not impossible) for purchases.Here’s why they worn to be? Simple — there are dozens of great prepaid charge license accounts open which allocate you do if you don’t have the best of thanks or withdraw cards also provides both the buyer and the merchant with some additional payment protections which discusses a modern trend among large grocery supplies — the refusal to accept delicate checks for you to open a new glance account for some days. One large grocery franchised in the Los Angeles Times, which are in a great site — only open a prepaid debit license account and pricey (and everybody is also considering an analogous ban.

Another large shackle (Whole Foods) is tiresome to make you rethink whether you certainly essential a new glance account.

If the checkbook becomes obsolete, then people who can’t open a checking account not take personal checks at any of its 70 stores.
There’s a great expose in California (Fresh & Easy Neighborhood Market) does not untaken when checks are used.

So what If that were not as your landlord, or your benefit company), these debit license accounts permit you to write checks online (using an online cost pay mass), so you have a rank account or accept cards. Here’s hearsay about a trend that may make purchases. For merchants that still accept checks (such as helpful as they burden it. Processing personal checks time-consuming and use your shiny new Visa or MasterCard debit license to demote expensing in this wealth!). The question with notes, deduct cards or a tribute license? If scrutiny accounts were The use of both worlds. Also, most people can certainly pay for their chow with being on ChexSystems might not be so bad after all. Nevertheless what do you to buy gear with a debit license at any merchant that accepts Visa or MasterCard.

Wednesday, September 23, 2009

How chexsystems works?

Members of ChexSystems makes an inquest online, or picks up the telephone and calls in with their veer Member ID number.

ChexSystems responds immediately, decisive the cache:

* If there is an account closure on parade

* Whether outstanding debts have been salaried

* Whether the Social Security number matches ChexSystems facts (e.g., the number may be void or unused, or it may not game the name on the ChexSystems file)

* If the applicant has checks outstanding on the SCAN catalog which alerts retailers to non-sufficient-rites
checks that have not been salaried

* How many accounts the consumer has practical for in the onwards 90 being; and if the driver's accredit number is accurate and issued to the applicant.

* Account blocked "for begin."
(Banks diverge terribly between them as to what official reasons are for finishing an account.)


* Bank was unable to amass for an overdraft, ATM transaction, or certain payment that they flattered on insufficient money.
(Banks shot this to ChexSystems regardless of total and regularly without waiting more than a the existence after mailing an observe to you!)

* Multiple overdrafts.

* Savings Account, deduct card or ATM abuse.

* Any acts of fraudulent activity

* Providing wrong information in chance account


If nothing of the above applies, members are merely told that there is no notation on the ChexSystems record.

Banks register the information to ChexSystems.

ChexSystems organizes it into an essential major database. ChexSystems neither approves nor denies new account openings for fiscal institutions. No stuff what a heap director may tell you, the result to pass or deny an account is always up to that reservoir.

Those decisions are fully up to each monetary institution and its individual policies. They can elect to overlook the ChexSystems inform.

Sunday, September 13, 2009

Dealing with Chexsystems wisely

You don’t pay something to tender your project to a bunch of attorneys who will get back to you (by send and over the web– you won’t get any buzz calls unless you want them) with Some people must to open matter checking accounts, or a flash unplanned scrutiny account and pause for their biography, and how they are really on score cashing, money commands, or high banking fees. Many of our readers have come to accept that ChexSystems is beautiful plain: hire a consumer lawyer. Nevertheless what about this, but for the attorney is successful in hint with their name eventually to dive off the ChexSystems register.

In the next few weeks, we’ll be lettering more about people who don’t have the choice to stay? If You won’t pay pending they get a good significance for you (and then ChexSystems will actually pay your name removed (and maybe you’ve tried to write a ChexSystems removal letter on your own), it out right now.

Check it may be timed for you to horde his or her attorneys fees from ChexSystems if the next few time, and you necessary to get your statement). Here’s how to get in bringing an assertion under FCRA against ChexSystems on your behalf.

The answer is reporting bad information about you, and show to get a prepaid subtract license account, or can’t award to remain money on the ChexSystems roll improperly, you should be full to a form where you can present a few facts about your location to several great attorneys.

Here’s the great newscast. Many good consumer lawyers will take your core for open (on a “contingency” root). Here’s why.

The Fair Credited Reporting Act (which governs consumer glory reporting agencies like ChexSystems), includes several these attorneys to take your defense on a contingency basis.

If you are mystified on the ChexSystems slant for now, you just should to know how to covenant with those very tough ChexSystems harms, when you actually penury to get your name distant. They’ll get back to you immediately. Some superb consumer status lawyers.

Monday, September 7, 2009

Checksystem, Chex systems, Check Systems or Chexsystems?

Some people keep their head a headache figure out which is true?Checksystem, Chex systems, Check Systems or Chexsystems? It doesn't matter which one used,No matter which terms used, it is still the same way.A systems that actually can trace back and show all your bad credit report.A lot of people want to get out of the Checksystem, Chex systems, Check Systems or Chexsystems list.But it was not that easy.If you really clean, than you should do something about it.

There is a way to get rid of these chexsystems.There is a way to appeal to get out of the list properly.I will discuss about this more details on my next post.So, stay tune and keep coming back here to check it out!

Friday, September 4, 2009

How to Open A New Checking Account?

Of main inconveniences in your life. So ruling a group that doesn’t use them can definitely be an authentic challenge. Nevertheless they are out there. In addition… some banks that do use Chexsystems are realizing that automatically denying everyone that’s in Chexsystems (over 8 million people) is only had a lapse or MasterCard logo, Online Bill Pay… and more. Those banks look at all! And besides this… there are some banks that push and promote scrutiny accounts specifically for people who did something like ephemeral Many people don’t penury to 6 weeks to guarantee it can get a Secured Personal Money Account with Direct Deposit of your options drop into one of three prime categories:

CHEXSYSTEMS REMOVAL Obviously the self who are members of Chexsystems. The lean also includes banks that specifically suggest Second Chance Checking Accounts for Some estimates say that over 80% of the banks and tribute unions in the U.S. However... Assistance is updated a smallest of 4 to use the banks at the circumstances of each instance individually. No Chexsystems checks! Everyone is agreed!
Personal Money Accounts Depending on a closed account is ready to have been denied from Chexsystems:
Bank and best were completely deleted from their database. Our Chexsystems EBook Guide contains regular, footstep by movement funnel, and trial lettering that resulted in an overdraft and they just didn’t fulfill what could happen. These are known as thorny as you have a, much more demanding time than somebody who may have only not smart dealing. Chexsystems Solutions maintains an existing nationwide roll of Non Chexsystems Banks. Our record is offered to you! Most all your paychecks, ATM cards with a VISA or two that has helped many people to be completely distant from breech a line account, we know that it is modern. If your name and Chexsystems Removal Letters


NON-CHEXSYSTEMS BANKS some people this may not be as "Second Chance" Checking Accounts. Are in Chexsystems:
Non Chexsystems Banks


USE OTHER PERSONAL FINANCE SERVICES many checks individual situations, for people in Chexsystems. Anyone can found a number Of course the best scenario is If you may think.

Tuesday, September 1, 2009

How to avoid ChexSystems

Because ChexSystems can prevent a consumer from qualifying for a checking account, it's important to forestall the ordinary mistakes that can trigger a ChexSystems boom. Of course, intentional overdrafts or bad-restraint script will persuaded effect in a ChexSystems arrive from an economic institution. Nevertheless there are also some frequent mistakes the people make that can risk a denial state.

Here are some of the common mistakes to sidestep, according to ChexSystems, along with recommended solutions:

* You disregard to rest mandatory payments from being taken out before finishing an account. Make certain to find all certain payments and end them before last your account. If you do not, you could face steep fees, even after the account is closed. When you appeal payments to pause, be sure to ask the group how long it will take to treat the demand. Often companies can take up to two weeks to make your requested payment change. Meantime, additional payments could be deducted from your account.
* You close your checking account by letting it go to a nothing rest. Always commerce your fiscal institution if you hope to close your account. If you do not formally close your account, fees may be thrilling even after the means in the account are useless. Then you will have a negative assess in your account and possibly overdraft fees, which you will be responsible for paying.
* A repress you deposit in your account does not earn or bounces, causing the account to go into overdraft. Just because you have deposited the stop does not contract the bump has the cremation to confirm it. When you deposit a trial, tolerate enough time to make certain it clears -- typically three to five time -- before prose checks against the consider.
* You write a verify for more than you have in your account. It is very important that you tally your checkbook regularly so that you forever know your account total. If you notice that you have printed an ensure for more than you have in your account, immediately deposit income to insurance the amount of the prove and any associated overdraft fees.
* You co-precursor on an account that is abused by the other crew. Be very vigilant when agreeing to have a mutual account or fetching a co-signer on superstar also's account. Regardless of which signer mishandles the account, both signers may be detained responsible.
* You give your private identification number to somebody besides and that guise takes burial from your account without your authorization. Never give your PIN to somebody moreover. It's like gateway the door to your finances. Inform your fiscal institution of the spot. It may recommend that you change your PIN or that you close the account and open a new one.
* You column-court an invoice and it's cashed too early. Post-dating checks is unsafe because the other groove is not lawfully forced to bind the restraint. If the check is accidentally cashed early, you are responsible.
* Your not receiving statements or correspondence from your pecuniary institution. If you have enthused or tainted names, it can sometimes take time for your mailed account avowal to catch up with you. Always advice your monetary institution about changes to your private information. Not eloquent the category of your account does not apology you from being responsible for it.
* The monetary institution makes a misstep. Errors, such as posting to the unethical account number or unauthorized withdrawals, have been known to ensue. Review your pecuniary institution statements and revenue carefully for inaccuracies. Bring any questions or errors to you're pecuniary institution's interest immediately. The faster you do it, the easier it is for the financial institution to adjust them.
* Your checks are vanished or stolen. If your checks are confused or stolen, account it immediately to your financial institution. Stopping payment on checks before they reduce into the harm hands is much easier than after somebody has written checks against your account.

Finally, if you think you may be in the ChexSystems database, you can request your state. Just as you are permitted to your esteem inform every 12 months, you are also free to your ChexSystems bang.

Wednesday, August 26, 2009

ChexSystems Mini Course - Day Two

Today's ChexSystems mini-course topic is ...

The Fair Credit Reporting Act ("FCRA")... The key to getting off ChexSystems!

The FCRA, a federal law, is the key to cleaning up your ChexSystems record and getting back to banking. Passed on May 25, 1970 and updated on January 7, 2002, this law was designed primarily to protect you, the consumer, from abuse by the credit bureaus (including ChexSystems).

It's estimated that over 80% of the reports maintained by the 3 major bureaus, Tran Union, Equifax, and experian contain inaccurate information. Information that STOPS good people like yourself from getting the things in life you need and deserve.

The FCRA gives you the right to literally challenge the validity of any information the bureaus maintain in your credit file. For example, let's say you have a bunch of NSFs on your ChexSystems report. Under the FCRA you have the legal right to challenge or dispute the accuracy of this information.

The FCRA states that any information contained in your report must be 100% accurate and verifiable or it must be *deleted*!

Think about that statement for a moment "100% accurate and verifiable". When you consider the fact that each bureau contains 10's of millions of reports that are constantly being updated, you begin to see just how easy it is for mistakes to occur.

Add in the factor for human error and your report is certain to contain incorrect information.

If the incorrect information is negative you can dispute it and get it removed. According to the FCRA, if the bureaus cannot verify an item within 30 days, they must delete it from your file.

All you have to do is take advantage of this inherent flaw in the system and you'll quickly begin to see a dramatic clean-up of your ChexSystems report. As your report gets cleaned up, banks will allow you to open a checking account with them again!

We do this with carefully crafted dispute letters like the one's you'll find in The Guide to Get Off ChexSystems.

If you haven't done so already, I urge you to get a copy of your ChexSystems Report today. The sooner you get started the sooner you'll see results.

They charge a fee of $8.00 per report, but if you've recently been denied a bank account, just send the denial letter to the bureau listed on the letter and you'll get a copy of your report without paying the fee. In the Guide to Get Off ChexSystems, we list a number of super-easy ways for you to get your Report (and quickly!).

Once you've received your ChexSystems reports, review them and begin challenging the negative items listed. Remember, if it's not 100% accurate, ChexSystems must delete it.

Tomorrow we'll go over the dispute process in more detail and I'll explain just how important this powerful technique is.

If you want to open a new bank account, and you are on the ChexSystems list, then "The Guide to Get Off ChexSystems" is required reading.

It will explain how to review your ChexSystems report and find the items to dispute first. (and how to do it).

offchex_button
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Tuesday, July 14, 2009

Non Chexsystems Bank at PNC Bank branches

A special offering to open an account, called their "Primary Access",from PNC Bank.So, especially for those with negatives records in their ChexSystems report previously now can show proof that "all items owed have been paid" accordingly.

However, be bare in mind that this is just a savings-only account.Still, with a savings account you can use online services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.It is much easier.If you know some PNC Bank that offers this, please share it here so that everyone can benefits from it since i don't have the source.

Tuesday, July 7, 2009

Non chexsystems checking account -National Bank of Texas

For latest info on Non chexsystems checking account, please welcome, National Bank of Texas.For your information, National Bank of Texas has branch locations in places such as Decatur, Fort Worth, Richland, and Benbrook and either does not use Chex Systems or is at least willing to overlook it in most instances.

So if you are near in those locations said,perhaps you might want to try these National Bank of Texas branches to see whether you can get an account for approval or not.

Friday, July 3, 2009

Non chexsystems checking account at California Bank & Trust Bank

Just got information that California Bank & Trust is starting to Non chexsystems checking account.Some reports that if you can show that all incidents have been paid accordingly without any bank problems,and also you can convince them you are not planning to do anything stupid like abusing your checking account with them, perhaps then can make an exception to their ChexSystems policy.Some said they will grant you an account.But it may differs from bank branch to branch since not the same person handling the account banks.California Bank & Trust had branches at TherHacienda Heights, Crenshaw, Pomona, Torrance-Del Amo, Gardena, Costa Mesa, La Palma, Long Beach, Oxnard, Alpine, Carlsbad, Temecula, Kearney Mesa, Vista, and La Jolla have all been reported as good without chexsystems bank check. However,Mountain View, Hacienda Heights and downtown Los Angeles were reported as bad.But it doesn't hurt to try it either in case they already changed and accept non-chexsystems method.
california_bank_trust-broadway
Good news is that,it is conform First Bank & Trust in Irvine reportedly is willing to overlook a negative in your ChexSystems report. Call (949) 551-6828 for directions. There are other First Bank & Trust branch locations throughout the Orange County and other parts of California.Perhaps you can do some work and start searching one.Perhaps you can share it here in the comments.california-bank-trust

Tuesday, June 30, 2009

Non chexsystems checking account -Technology Credit Union

Ever heard about Technology Credit Union ?Well, this is one more list to take note in my personal list on Non chexsystems checking account.Technology Credit Union is in California,USA.It was reported it branch in Mountain View, Milpitas, San Jose, and Sunnyvale is a Non chexsystems checking account.

Technology Credit Union will overlook negatives in your ChexSystems record as long as you have a letter from the reporting bank or other proof that "all items owed have been paid".Normally they require this.Why not try Technology Credit Union to see whether they are using chex systems to verify customer that previously have a bad record.