Ordinarily, over draft protection, common to have, is actually a line of credit and it often reports to the CRA's. What I am thinking here is the auto dealers might be checking a database to see if you have bounced checks. When you applied were you offering to pay with a check? Just a thought. This would explain why you cannot find the negative on your reports. This whole thing seems odd though. I'm not sure if consumers can access this same database.
Bruiser wrote:thank you ncyjseknow why they would pull from chex systems when trying to get a car/house? or is that normal?
ncyjse wrote:Us Bank report to Chex Systems not to the credit bureaus. I have all my accts with them and I noticed I had a balance due when trying to open a business acct. with them.
How would I go about contacting chex systems? Thanks.