Non ChexSystems Banks

ChexSystems, Non ChexSystems Banks No Responses »
Sep 062010


ChexSystems Problems?

Can’t open a checking account?

ChexSystems


Non ChexSystems Bank

Use ATM/VISA  Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Second Chance Checking Account

Get a Bank Account Now!

Account Now – Visa Debit

Non ChexSystems Banks

For many, getting listed on ChexSystems is akin to the kiss of death as it relates to any kind of real banking. ChexSystems, owned by Deluxe, is not the judge, executioner, or jury…rather they are the prison in which you will reside for up to 5 years, once they have listed a negative entry about you in their database.

Listings can range from minuscule (cents) all the way up to incredibly large amounts, and typically most people have never even heard of ChexSystems until they end up in that database. Banks report their account holders to ChexSystems for any number of reasons (some fair and some not so fair) and they are ultimately the ones who decide if you stay on the list or not.

Reasons for being listed in ChexSystems include but are not limited to:

Overdrafts on accounts that are not repaid in a timely fashion

Misuse of banking cards

Misrepresention at time of bank account application

Once a person has been listed in ChexSystems there are very few opportunities for removal. The process to get negative entries removed is almost always arduous and time consuming. And unfortunately, over 80% of US banks utilize the ChexSystems database to verify new accounts, so if you’re listed…getting another checking account is next to impossible.

The methods for getting your entry removed from ChexSystems are as follows:

Wait 5 years from the date of report and the entry will automatically fall off

Dispute the entry. ChexSystems acts as a Credit Bureau and if you have been falsely listed you have the legal right to dispute the entry

Call the bank that reported you and get someone there to “stop reporting” you

While you can get removed from the database, it is rarely easy for anyone. And of course if you are listed, you have little opportunity to obtain a checking account, so you’ll have to survive without one. That is…unless you know of Non ChexSystems Banks. They are incredibly hard to locate for even the most resourceful of researchers…but they do exists and can be found if you know exactly where to look.

There is only one resource I’ve found which does offer real value. “You Deserve A Checking Account” is real, and is a safe haven for those that have been blackballed by ChexSystems. Far too many of the other sites out there are designed only to take your money, and offer little in return.

In closing, most individuals that find themselves in the ChexSystems database have a few different options for getting themselves “de-listed”. Due to the amount of time this typically takes, it makes sense to locate Non ChexSystems Banks and establish checking privileges there, at least until your record is cleared.

John Hostler, and his company Internet Renegade, Inc are consumer advocates teaching people how to better themselves financially. You can learn more about getting a checking account by visiting http://www.youdeserveacheckingaccount.com

Posted by admin at 10:37 pm Tagged with: , ,

ChexSystems Alternative Banks - ChexSystems Removal Information

Bad Credit, Bad Credit Info, Checking Accounts, ChexSystems, Credit, Loans, Non ChexSystems Banks No Responses »
Jul 182010

Head ache from ChexSystems

ChexSystems Head Ache?

Second Chance Bank Account

Non ChexSystems Bank

No Bank Overdraft Fees!

Online Check Writing

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Free Direct Deposit

No Credit Check!

Account Now!


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Posted by admin at 10:37 am

What to Do if You are on Chexsystems

Checking Accounts, ChexSystems, Direct Deposit, Non ChexSystems Banks No Responses »
Jul 062010


ChexSystems Problems?

Can’t open a checking account?

ChexSystems


Non ChexSystems Bank

Use ATM/VISA  Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Second Chance Checking Account

Get a Bank Account Now!

Account Now – Visa Debit

What to Do if You are on Chexsystems

With the current economy crisis, many Americans are finding it difficult to pay their bills and balance their checkbooks, resulting in more and more people being added to ChexSystems. ChexSystems is a verification service, used by banks, that keeps records of people who have a history of abusing their checking account, usually from fraud or excessive overdrafts. The problem with having your name on ChexSystems is that most banks will deny your application when trying to open a checking or savings account. Without a bank account, it can be very difficult to handle personal finances.

Once people are added to ChexSystems, they can remain there for up to five years. For the people on ChexSystems looking to take back control of their finances, they can either wait to fall off ChexSystems, use an checking account alternative, or work to get themselves removed from ChexSystems.

Since five years is a long time to wait, the quickest way to regain control of your finances is to use one of two alternatives to traditional checking accounts: Second Chance Checking and Prepaid Debit Cards.

If you feel more secure using a bank, then consider a second chance checking account. These are special checking accounts with limits offered to people on ChexSystems. Second chance checking accounts may have more restrictions than traditional accounts, like not being able to write checks, but they can allow you to enjoy most of the basic functions of having a checking account. Although these accounts can come in handy, people are becoming increasing frustrated with the banking industry, especially after the recent bankruptcy of some well known banks. That why the second alternative is becoming favorable among the two.

The second banking alternative for people on ChexSystems is a prepaid debit card. Many people have turned to prepaid debit cards because they are not part of the banking industry, meaning there is less restrictions and more options. Prepaid debit cards function just like a checking account; money that is deposited into a prepaid account can be withdrawn or spent using the prepaid card. With prepaid debit cards you can do many of the same things you can with a checking account, even write checks. Unlike a second chance checking account, prepaid debit cards are easier to find. Card comparison sites allow you to compare prepaid debit cards, allowing you access to numerous card offers. However, if these two alternatives aren’t enough and the thing you really desire is to have your name removed from ChexSystems, instead of waiting for it to fall off, you can always dispute the information they have about you.

The first step to disputing a ChexSystems is to find out what information about you is on file, you can do this by ordering a copy of your ChexSystems report online. Many websites offer this service and by law you are allowed one inquiry each year. Once you have a copy of your ChexSystems report, make sure the information is accurate. If there is a dispute you already solved, or false information, gather documentation to prove your case and send it to ChexSystems. If ChexSystems is unable to verify the dispute in which you are contesting, they are required to remove it from their database.

Being on ChexSystems can create a big dilemma if you are trying to get your finances under control. Having a checking account or credit card is essential nowadays. Whether it’s for paying your bills, buying groceries or withdrawing cash, it is important to not give up if you find yourself on ChexSystems, there, are solutions available. If you cannot remove yourself from ChexSystems, consider one of the two alternative options mentioned. They can really help to get you back where you need to be. In control!

Prepaid101 is the premiere comparison website for prepaid cards. Read editor and consumer reviews on various prepaid debit cards. Prepaid101 also allows you to submit your own consumer reviews and compare prepaid credit cards side-by-side, up to 5 at a time. Visit www.prepaid101.com for more information.

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Posted by admin at 10:37 pm Tagged with:

Chexsystems Trouble? Learn How Easy It Is To Get Off Chexsystems

Bad Credit Info, Checking Accounts, ChexSystems, Non ChexSystems Banks No Responses »
Jun 062010


ChexSystems Problems?

Can’t open a checking account?

ChexSystems


Non ChexSystems Bank

Use ATM/VISA  Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Second Chance Checking Account

Get a Bank Account Now!

Account Now – Visa Debit

Chexsystems Trouble? Learn How Easy It Is To Get Off Chexsystems

The most effective way to deal with your problems with ChexSystems is to get entirely off the list. Remember that this company isn’t perfect. They make mistakes that can keep you from getting a bank account. If your status is a result of an error by ChexSystems, you can get them taken off and clear up your record. Here’s how.

In order to find the error on your ChexSystems record, you’ll need a copy of that record. You can order a copy by calling ChexSystems (800-428-9623) and following their automated instructions. Remember that it takes a few days to get it. You’ll want to bookmark this article so you can return once your copy arrives.

Spend some time reviewing your report. It should include your name and your consumer identifier, as well as a few items of reported information (what ChexSystems is telling banks about you). You’ll also see one or more “Inquiries Initiated By Consumer Action”. These are the things you reportedly did to cause someone to pull your report. There may also be one or more “Retail Information” listings, which are reports from other check writing databases, “Inquiries Not Initiated By Consumer Action”, which are reports that other people have pulled about you without your permission, and a history of checks you’ve ordered and your social security number and drivers license information.

You’ll have to look your report over with a fine toothed comb. Any error or inaccuracy should be remembered. Then think about how you can prove that these items aren’t correct. Focus especially on the items in the reported information section, since that’s what banks are being told. Are there reports of debts owed to banks that you know have been paid? Find proof of payment so that you can dispute the entry.

Once you have your proof, it’s time to go on the offensive. Get the incorrect information taken off your report as quickly as possible. A law called the Fair Credit Reporting Act (FCRA) requires ChexSystems and all other Consumer Reporting Agencies to let you dispute any information that’s inaccurate or incomplete. Start your dispute by sending a letter to ChexSystems detailing the errors on your report. By sending this letter, ChexSystems is required under the FCRA to reinvestigate those errors within thirty days. If you send additional information during that thirty day period, they may take forty-five days. If they can’t verify the information you’ve disputed, ChexSystems must remove it from your record.

If you’re stuck in the limbo of being on the ChexSystems list, unable to open an account, it’s worthwhile to spend a few minutes looking for errors, and writing a letter to dispute them.

The only cost to you is time and a stamp, and if you succeed, your record could be entirely clean. Consider using a letter like the example below. Be sure to clearly point out all errors. If you use the example letter, be sure to replace all the italicized or bracketed comments. Clarity and politeness are important, as is accuracy. Send the letter either via fax, or by postal express mail, and be sure you keep a copy.

Once you’ve mailed your letter, ChexSystems may contact you for more information. Make sure you remember when you sent your letter, and be sure to put a note on your calendar. If you don’t hear back from them within thirty days, you’ll need to follow up. Check back at this website to find sample letters that you can use for the follow up process. It only takes a few minutes to find out what errors are on your ChexSystems report, and the benefits can be huge. Imagine being able to get a bank account again, with a clean record!

Kurt Lehmann is a financial services expert, writing on ChexSystems, Getting Off ChexSystems and payday loans.

www.chexsystemsrelief.com – Get out of Chex Systems in as little as 24 hours with this free service. No need for a list of non-Chexsystems banks. Get your name permanently removed.
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