SDFCU - Credit Requirements and Info... CATCH?

[lhcole77]

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@kampfer09 wrote:
I have about 20 in my ex...lol so I'm gardening right now.

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That sounds like a great plan

[dddfresh]

I just got to the last screen of opening an account and it says this:

it may pull EQUIFAX, not EXPERIAN for membership,and maybe experian for credit cards???????? hoping this is still a SP

I authorize

I certify the accuracy of the above information and authorize Equifax Secure, Inc. to access my credit file to authenticate my identity and facilitate the processing of this application for this State Department Federal Credit Union account only. I understand that I may be asked questions based on the information in my credit file as part of this process. I also understand that State Department Federal Credit Union may review my credit history and past banking relationships before accepting this account. I do not authorize

[dddfresh]

what the heck i just got this!!!!!!!!!

i dont have collections or anything! what is this from!????????

Notice of Action Based on
Information Contained in a Consumer Report

We are sorry, but we cannot open a Share Checking Account for you at this time due to information received from ChexSystems, a consumer reporting agency.

If you are applying for an additional share account, you will continue to the next section of our application. Otherwise, you will be returned to our home page. We are sorry for any inconvenience.

ChexSystems did not make the decision to decline your account application and is unable to provide you with specific reasons why the decision was made.

You have rights under state and federal laws. Included in these rights are:

• the right to obtain a free copy of your ChexSystems consumer report if you make such a request to ChexSystems within 60 days of your receipt of this notice;
  AND
• the right to dispute the completeness or accuracy of any information contained in such report by notifying ChexSystems directly of your dispute.

You may contact ChexSystems by:

	Phone:	800-428-9623
	Web Site:	www.chexhelp.com
	Fax:	602-659-2197
	Mail:	ChexSystems, Attention: Consumer Relations 7805 Hudson Road, Suite 100 Woodbury, MN 55125

[dddfresh]

so i dont get the $50 sign up bonus, and its a minimum $100 to join through the American comsumer council or whatever it was called....wow not stoked on this

[09Lexie]

I joined over the phone a few minutes ago. Just checked my reports and the SPd my Experian only.

[lhcole77]

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@dddfresh wrote:

what the heck i just got this!!!!!!!!!

i dont have collections or anything! what is this from!????????

Notice of Action Based on
Information Contained in a Consumer Report

We are sorry, but we cannot open a Share Checking Account for you at this time due to information received from ChexSystems, a consumer reporting agency.

If you are applying for an additional share account, you will continue to the next section of our application. Otherwise, you will be returned to our home page. We are sorry for any inconvenience.

ChexSystems did not make the decision to decline your account application and is unable to provide you with specific reasons why the decision was made.

You have rights under state and federal laws. Included in these rights are:

• the right to obtain a free copy of your ChexSystems consumer report if you make such a request to ChexSystems within 60 days of your receipt of this notice;
  AND
• the right to dispute the completeness or accuracy of any information contained in such report by notifying ChexSystems directly of your dispute.

You may contact ChexSystems by:

	Phone:	800-428-9623
	Web Site:	www.chexhelp.com
	Fax:	602-659-2197
	Mail:	ChexSystems, Attention: Consumer Relations 7805 Hudson Road, Suite 100 Woodbury, MN 55125

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Most (if not all) banks/cu will run an app through ChexSystems before opening an account. Have you perhaps bounced a check in the past or something along those lines?

[09Lexie]

@dddfresh

Chexsystems is an agency that reports negative information from financial institutions. Closed, I redrafted accounts for instance. It could be an error on their part. Call and get your free report.

[lhcole77]

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@09Lexie wrote:
I joined over the phone a few minutes ago. Just checked my reports and the SPd my Experian only.

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Awesome! Thanks for this post.

[09Lexie]

I had to scan my DL and soc security card to them. I'll update on when I get the welcome packet.

[dddfresh]

i wrote a rent check last month and didnt post date it so my landlord deposited it before the 1st and since i had to move money to the account in which the check was written from, the check bounced! is that really stopping me ???