Does anyone have a list or possibly just a lead on a bank that does not check with CHEXSYSTEMS & TELECHECK ? My acct was closed 8 months ago, all fees paid all checks paid but of course no one will open me up a new acct. Any help would be greatly appreciated. thank you
I resolved this issue for my brother last year by opening an account in a small business name. You just need to get a TIN from IRS. You can use your name and add LLC to the end. It is relatively cheap.
05/18/2009 myFico TU 754 07/06/2009 myFico EQ 760 11/19/2008 myFico EQ-635 TU 664 EX 669
Go to the bank that you had the ODs with and ask them to remove you from ChexSystems. In my experience, oftentimes banks will be willing to remove you from ChexSystems if they have been PIF. Just make sure that you are talking to someone with the authority to do so, not the CSR or receptionist at the front desk necessarily.
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Speak to the bank manager. What you 'might' want to do is stop by a couple of branches and scope out the managers. The one closest to my office has a manager who is just terrific and bends over backward to help anyway he can.
It may also help to open up a little 'cd' with them as a gw gesture.
I opened a checking and savings at my local Chase branch. I had closed a bank with hibernia, now capital one, and paid a check that went through after I had closed. (But of course it was sent to chexsystems since the account was closed and incurred a fee) I had assumed my time was up with chexsystems, but not so. I just applied for a saving's at CCCU and they denied me due to the paid capital one account. I am not sure if Chase just doesn't use it or if I slipped through somehow.
Chexsystems claims the info stays on your report for 5 years, that's what's stated on the info that came with my report I ordered from them. You can get one free a year like your CR. I just faxed them my info a copy of my id, and got my report in 5 days.
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