Chexsystems?

[Anonymous]

No you 're wrong!

BOFA doesn't use chxsystem to open a checking account, but WAMU does!

[Anonymous]

WAMU doesn't use Chexsystems!!!

[Anonymous]

does WAMU use chexsystems?

[Anonymous]

I opened a WAMU checking, savings, and CC about 2 months ago. They have ChexSystems signs on their desks, and they stated they pull ChexSystems.

I was fighting with BofA over non-PP INQs about 2 months ago. They have ChexSystems signs on their desks, and they confirmed they pull ChexSystems.

If the reps are lying, and the signs are a ruse, then perhaps neither WAMU nor BofA pulls ChexSystems.

Show of hands, how many have actually requested their ChexSystems report under FACTA? I have for both DW and I. Back probably around April or May.

ChexSystems is a Specialty CRA under FCRA §603(w). FCRA applies to them. As such, 7 year rule would obtain for most adverse reporting to ChexSystems.

[Anonymous]

I have NO experience with Wamu, except that they denied me a CC.  LOL  So, I can't speak well about them.

However, I DID open 2 checking accounts about 9-10 months ago with BOA... one regular, one military (my hubby is a navy submariner).  They pulled a CR, but clearly they didn't use ChexSystems, at least NOT ON ME. 

I tried to get a NASA FCU credit card and account last month.  They denied me because of ChexSystems, which I'd never heard of until then.

I have requested a ChexSystems report twice, and so far, I've gotten neither.

[Anonymous]

maybe BOA does not use chexsystems!

[Anonymous]

Looks like ChexSystems has been acquired by EFD.

http://www.efunds.com/web/our-company/history.htm

Here are the 800 numbers and snail mail contact to get both ChexSystems and SCAN reports. I'd call.

http://www.efunds.com/web/our-company/internet-privacy.htm#thirteen

[Anonymous]

I recieved my chexsystems report. Can I dispute just like my credit report?

[Anonymous]

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Badcreditguy wrote:

I recieved my chexsystems report. Can I dispute just like my credit report?

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You can dispute any inaccurate piece of data on a report from a Specialty CRA.

[Anonymous]

YES WAMU uses chexsystems. I am sure about it...because I tried opening a checkings account and that is how I discovered my business account was reported there under my SSN instead of EIN.