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I received my chexsystems report - what do I do now?

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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.




goudah2424

Posts: 7938
Credits: 122486.25

Sub: #1 Have you looked at MCA's site? There may be a nearby bank that
Wed, 08/20/2008 - 07:12

Have you looked at MCA's site? There may be a nearby bank that will allow you to open an account.




smo65d11

Debt Samaritan
Posts: 1468
Credits: 13310.85

Sub: #2 I want to fix this problem permanently if possible. I know that
Wed, 08/20/2008 - 07:14

I want to fix this problem permanently if possible. I know that there are accounts I can open and ways I can do this (husband open an account and then add me on later, etc) but I want to just get this resolved now if possible.

Or is there no way to fix this?




Mary Adkins Matthews

Debt Samaritan
Posts: 755
Credits: 14679.780979602

Sub: #3 There is no guarantee for removal with chexsystems. They are a c
Thu, 08/21/2008 - 15:56

There is no guarantee for removal with chexsystems. They are a credit reporting agency and the only way they will remove is if the reporting bank instructs them to or if you file a dispute and attempt removal in this way.

Paying off a debt will not remove you as well. The report will not be removed for 5 years. As far as your husband opening an account and adding you later, most banks will still run your name and will still deny you.




smo65d11

Debt Samaritan
Posts: 1468
Credits: 13310.85

Sub: #4 so at this point I have 3 options ... dispute with ChexSystems,
Fri, 08/22/2008 - 05:40

so at this point I have 3 options ... dispute with ChexSystems, contact the bank directly, or wait for 5 years. Is that correct?

If I dispute (which would be my first choice), what would the basis of my dispute be? That the account was resolved, no money owed, etc?

If they deny my dispute, my second choice would be to wait the 5 years. So that would be waiting until 6/9/09, correct?




smo65d11

Debt Samaritan
Posts: 1468
Credits: 13310.85

Sub: #5 does anyone know the answer to my above questions? I need to di
Sun, 09/21/2008 - 17:15

does anyone know the answer to my above questions? I need to dispute this but am unsure under what basis?




Mary Adkins Matthews

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Posts: 755
Credits: 14679.780979602

Sub: #6 I am sorry I was gone, my electric was out for more than a week.
Tue, 09/23/2008 - 13:34

I am sorry I was gone, my electric was out for more than a week. Who is the reporting bank?




smo65d11

Debt Samaritan
Posts: 1468
Credits: 13310.85

Sub: #7 no problem, why was your electric out for so long? The bank
Tue, 09/23/2008 - 14:03

no problem, why was your electric out for so long?

The bank is Nevada State Bank




utlonghornfan
Posts: 70
Credits: 1039.6

Sub: #8 chexsystems
Fri, 10/17/2008 - 08:05

I received my report as well. . . under "reported information" it has "no information found" but under "inquiries" it has several companies listed including DP Bureau, Cash Net, etc. Could these inquiries keep me from getting a savings account?????




Mary Adkins Matthews

Debt Samaritan
Posts: 755
Credits: 14679.780979602

Sub: #9 Yes inquiries can be just as bad as having a negative report wit
Fri, 10/17/2008 - 12:05

Yes inquiries can be just as bad as having a negative report with chexsystems. It can cause them to " flag " you account as suspicious and many times a bank or credit union will deny you on that basis alone. If they are inquiries that were initiated by you, they will not remove them unless you can prove that they did not have your permission to do so.

Inquiries Initiated By Consumer Action refers to inquiries resulting from a transaction initiated by you. These include applying for a credit card or completing an application at a financial institution. Please note that the inquiries are part of your credit history and may be included in our reports to others. These inquiries can be viewed for ninety days up to three years.

We had stong winds from the Hurricane in Texas and millions were without electric, some fro weeks.

Which credit union is denying you?




utlonghornfan
Posts: 70
Credits: 1039.6

Sub: #10 chexsystems
Mon, 10/20/2008 - 06:30

University Federal Credit Union in Austin TX




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