topic Re: Credit Union and Chexsystems in General Credit Topics

Credit Union and Chexsystems

Anonymous — Mon, 09 Feb 2009 10:33:35 GMT

I applied to my local credit union and was declined :

The letter said they got their info from chexsystems, so I ordered a report and I got it in the mail Friday.

It says I have a chargeoff from US bank from 11/05. Looking back, I probably do, I'd moved to Houston at the time, and got a bank account at Chase because they had a deal with my new job, and there was no US bank there. Less than a month later, before I could close out the account at US bank, my son became illl, and I moved once again to California to move in with my mom through my son's illness, His official terminal diagnosis came on 11/05, following several months at various children's hospitals, so if I did get a notice, I didn't put it as a priority at the time. I ended up keeping Chase, even though there are no chase banks around, and completely forgot about US bank.

I've had Chase since then, even though there aren't any local branches, and haven't been overdrawn, or anything with them ever. I just have my checks direct deposited or mail them in, and pay most of my bills online anyway.But, I wanted to go with a credit union because I like the idea of a credit union as compared with a big corporate bank.

So, the question is now, what do I do? Do I contact US Bank? Do I wait out the five years (which would just be to 2010)? Do I call the credit union and talk to a person, and tell them why that happened, and that I've been good with Chase for the life of my account with them? I'm in a position where I could pay off US bank (it was about $400 total).

Re: Credit Union and Chexsystems

llecs — Mon, 09 Feb 2009 11:44:16 GMT

Either wait it out or send a PFD mentioning Chexsystems to get it removed. You could talk to the CU too.

Re: Credit Union and Chexsystems

Anonymous — Mon, 16 Feb 2009 00:15:01 GMT

I opened an account at a federal credit union and they made me payoff a charged off checking account with Chevy Chase Bank before going any further. Once that was done, I was free to join. Of course they used Chexsystems. More and more credit unions are using that as a tool to approve or deny an account.

Re: Credit Union and Chexsystems

Anonymous — Tue, 17 Feb 2009 03:42:22 GMT

What is the address for Chexsystems?

My bank will not give me their address, their fax number, or their "talk to a real person" phone number.

Re: Credit Union and Chexsystems

llecs — Tue, 17 Feb 2009 04:07:14 GMT

I'm not sure if the address is here, but this is their website:

https://www.consumerdebit.com/consumerinfo/us/en/index.htm

Re: Credit Union and Chexsystems

Anonymous — Tue, 17 Feb 2009 11:46:46 GMT

Thank you!

Re: Credit Union and Chexsystems

EaglesFan2006 — Tue, 17 Feb 2009 14:22:31 GMT

I am in chexsystems for an account that i ultimately paid off through a CA. I remember i tried to pay off directly to the bank but they referred me to that CA. Is there anything I can do to get that black mark removed, i'm sure the CA didn't notify the bank or anything like that

Re: Credit Union and Chexsystems

llecs — Tue, 17 Feb 2009 16:19:11 GMT

EaglesFan2006 wrote:
I am in chexsystems for an account that i ultimately paid off through a CA. I remember i tried to pay off directly to the bank but they referred me to that CA. Is there anything I can do to get that black mark removed, i'm sure the CA didn't notify the bank or anything like that

I'd send a GW to the bank asking for the removal off of your CRAs (if reporting) and off of Chexsystems.