I received my chexsystems report - what do I do now?
Under "Reported Information" it lists a bank account that I had in another state. It gived my name and old address, old drivers license etc. Although I don't have record of the account number, I am sure that it is my old bank account.
Under "Date Reported" it lists 6/9/04.
Under "Reported For" it lists "NON-SUFFICIENT FUNDS (NSF) ACTIVITY.
Under "Debt Reported" it lists "ChexSystems has no debt information available. May we suggest that you contact the source of the information to determine whether or not a debt was owed."
There is no dollar amount listed anywhere.
I know I don't owe anything because I closed the account. I THINK that I might have had a check come through after the fact, but I made good on it soon thereafter. But I did NOT leave the bank on good terms, the manager and I had what you could call a "personality conflict". I live 2,000 miles away and can't exactly pop in and fix this.
So what do I do? I would like to open a new account in my new state rather than having to bank in another states bank and do all of my deposits by mail, etc. I was rejected by a local bank here due to what showed on ChexSystems.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.