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Chex Systems

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shane1120
Contributor

Chex Systems

I have an entry in ChexSystems from an old Boa checking account that was overdrawn after I thought I closed it. When going through the mortgage pre approval process, will this come up? Do mortgage company's check chex systems when approving someone for a mortgage. I have tried calling boa to start paying on it but they said it was charged off. I think it's due to fall off next year.

Message 1 of 4
3 REPLIES 3
Gracie15
Valued Member

Re: Chex Systems

I just passed final underwriting and as far as I know, they didn't check mine. I also have something on there. My file should go to the USDA tomorrow.

Starting Score: EQ: 559 Score Watch
Current Score: EQ: 646 TU: 667 EX: 664 Lender Pull
Goal Score: 640


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Message 2 of 4
Genkeim
Frequent Contributor

Re: Chex Systems

Same here. Apparently I've got something from Wal-mart on there. Has to be YEARS old... anyway my file is at USDA now, expected back today and no mention of it at any point.

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Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Message 3 of 4
tooleman694
Valued Contributor

Re: Chex Systems

You are not opening a checking account.

Message 4 of 4
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