06-08-2007 09:02 PM
Ordinarily, over draft protection, common to have, is actually a line of credit and it often reports to the CRA's. What I am thinking here is the auto dealers might be checking a database to see if you have bounced checks. When you applied were you offering to pay with a check? Just a thought. This would explain why you cannot find the negative on your reports. This whole thing seems odd though. I'm not sure if consumers can access this same database.
Bruiser wrote:thank you ncyjseknow why they would pull from chex systems when trying to get a car/house? or is that normal?
06-08-2007 09:04 PM - edited 06-10-2007 11:01 PM
06-10-2007 08:43 PM
06-10-2007 09:41 PM
06-10-2007 10:24 PM
ncyjse wrote:Us Bank report to Chex Systems not to the credit bureaus. I have all my accts with them and I noticed I had a balance due when trying to open a business acct. with them.
06-11-2007 12:23 AM
How would I go about contacting chex systems? Thanks.
06-11-2007 12:28 AM
06-11-2007 08:41 AM
06-12-2007 11:19 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO