Declined by CCCU....

[Anonymous]

what a strike to my fico scores ego....and its not even because of EX EQ TU, its because of ChexSystems...looks like i'm going to have to go clean this one out too, i just ordered a report from there, and most likely its a bank that i paid what i owed but they didn't report it...*sigh* oh well

[indyhotmama]

Sorry for the denial.  I'm waiting to get the scores just to apply. LOL!

[golfmomfor3]

Chex Systems is a toughy!  Had one 5 years ago that just dropped off - been waiting a long time.  U S Bank did not give a hard time with this and retained us - it was an employee credit union that reported due to some overdrafts - did not even have an unpaid balance with the bank - covered the overdraft immediately upon notice.

I think I did appeal to Credit Union and Chex Systems at one time and just resigned to wait it out.

[Jacque383]

What is ChexSystems? Is that a bounced check thing with banks or is it criminal type of history?

Is that something that credit cards use in order to obtain or deny credit cards?

Probably a silly question, but I've never heard of them.

[Anonymous]

Yes they keep data on how you handle your checking account, more importantly if you bounce a lot of checks or leave owing the bank on a checking account.  It can be very hard to get a checking account if they have outstanding information on you.  A friend of mine (Katrina victim) unknowingly had checks that bounced just after the storm.  She didn't learn about them until she moved here and tried to set up an account - DENIED.  She couldn't get a bank account anywhere until all arrears were paid in full.

[Anonymous]

I don't understand...what has Chexsystems got to do with a credit card?

[Bruiser]

It has to do with banks. And you're obtaining credit from a bank. So they run a check on there to determine if you've been shady with banks.

I had a baddy on chex systems that caused me to get denied for an auto loan last year. So it's a big thing and you want to check it out.

Request a free report of your chex systems @ http://www.chexhelp.com/

It took about 10 days to get mine.

[OMW2_HighAcheiver]

the same thing happened with me with CCCU, but i have opened a BofA and a Wells Fargo checking and savings account.  what's up with that????   my understanding is that CCCU also wants you to open an account with them.......whateva!!

[Anonymous]

Does Chex Systems affect your credit report / FICO in any way?

[Anonymous]

I'm confused.  Are we saying that CCCU checks something else besides your FICO score?  Are there any other CC that check anything else besides FICO?

W