https://ficoforums.myfico.com/t5/General-Credit-Topics/ChexSystem-and-Authorized-users-credit/m-p/155275#M76218 <DIV>Hi guys,</DIV><DIV>&nbsp;</DIV><DIV>I was wondering if anyone has ever been able to negotiate with ChexSystems to get an old account not reported anymore so my friend can open up a new account with a different bank.&nbsp;She refuses to open up their account with BofA again,&nbsp;they really screwed her over.</DIV><DIV>&nbsp;</DIV><DIV>Also, does the credit score of an authorized user effect an account? I know Fico 08 is going to eliminate that but I was hoping to help my BF before it gets put into place, but I know his credit is bad because he only has medical collections on there (he never had insurance). Anyone that knows the in and outs of the authorized user details would be great!</DIV><DIV>&nbsp;</DIV><DIV>Thank you!</DIV> Fri, 15 Feb 2008 00:20:32 GMT Anonymous 2008-02-15T00:20:32Z https://ficoforums.myfico.com/t5/General-Credit-Topics/ChexSystem-and-Authorized-users-credit/m-p/155275#M76218 <DIV>Hi guys,</DIV><DIV>&nbsp;</DIV><DIV>I was wondering if anyone has ever been able to negotiate with ChexSystems to get an old account not reported anymore so my friend can open up a new account with a different bank.&nbsp;She refuses to open up their account with BofA again,&nbsp;they really screwed her over.</DIV><DIV>&nbsp;</DIV><DIV>Also, does the credit score of an authorized user effect an account? I know Fico 08 is going to eliminate that but I was hoping to help my BF before it gets put into place, but I know his credit is bad because he only has medical collections on there (he never had insurance). Anyone that knows the in and outs of the authorized user details would be great!</DIV><DIV>&nbsp;</DIV><DIV>Thank you!</DIV> Fri, 15 Feb 2008 00:20:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/ChexSystem-and-Authorized-users-credit/m-p/155275#M76218 Anonymous 2008-02-15T00:20:32Z https://ficoforums.myfico.com/t5/General-Credit-Topics/ChexSystem-and-Authorized-users-credit/m-p/155290#M76225 <DIV>She needs a letter from her bank stating the checking account has been paid in full.&nbsp; With that letter, she SHOULD be able to open an account up anywhere.&nbsp; I checked with a couple of credit unions and two local banks, they accept the letter.</DIV><DIV>&nbsp;</DIV><DIV>The info in chexsystems stays five years.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>~~~~~~~~~~~~~~~~~~</DIV><DIV>&nbsp;</DIV> Fri, 15 Feb 2008 00:52:34 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/ChexSystem-and-Authorized-users-credit/m-p/155290#M76225 fishbjc 2008-02-15T00:52:34Z