Re: re: Bank that does not use CheckSystems
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Posted by Melvin Harr (152.163.252.134) on March 03, 2004 at 19:05:00:
In Reply to: Re: re: Bank that does not use CheckSystems posted by Defaults R' US on October 16, 2000 at 23:34:28:
: : :I went through a bitter divorce last year and it came to light : :that many of my credit card bills were paid VERy late ( I didnt : :work because I stayed home with my autistic son). My ex : :controlled our money by closing out our joint checking account : :and opening his own leaving me with no account in my name at : :all. When I divorced I discoverd because of a charge off through : :a bank I cannot get a bank account. I did have one bill that : :I did it myself to get it taken care of. So now I am looking : :for a bank (local if i can (Bay Area) that will give me a : :checking account without worrying too much about my past history : :which I want to rebuild. : Chexsystems is a totally seperate entity from : the "Credit Beaureaus" such as experian, : transunion, etc. One could default on dozens : of credit card payments, yet still be able : to open up a checking account. But bounce : a couple checks, and you'll have a very : difficult time finding a bank that will : let you open a new checking account. : One thing that interesting point though, to : get a debit visa or a debit mastercard, banks : typically check your credit score. Interesting : since debit cards aren't an extension of credit. : No big deal, just get a standard credit ATM : and they won't check with the credit beaureaus.
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