How can you get a Chexsystems, telecheck, and teletrack report without being denied an acct??

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Chexsystems reports stay on for 5 years . . . . . Unlike telecheck, which is removed once the item is paid, chexsystems reports can only be removed by the reporting bank. You can dispute items on your report, just like with credit reports.

Banks can put filteres in their software to only show reports for the last say 3 years. But the longest a report can legally stay on chexsystems is 5 years . . . . . And you can be put on there for anything your bank feels like doing. Lets say you have an nsf, you pay it the next day, the bank can still report you! They just have to report it paid. Most banks won't do that but some have!

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I beleive you can pay to order the reports on their respective websites . . . . If you get denied an account, the are free.

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Also, a lot of banks that do use chexsystems do run "sweeps" of their accounts periodically and will close an account if a report comes up, regardless of how long you've had the account open in good standing. As swedishgirl said, the worst one with that has the initials WF . . . .

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Hey, again. Goudah is right...it's 5 years on Chexsystems. My brain gets too full sometimes...I was thinking of bankruptcy filings. That's another subject. Anyway...Goudah said in another posting about how nobody should do that opportunity checking at WF. That is SO TRUE! Yeah..you get a checking account. But you only get an ATM card, no debit card. You can't get cash back from your deposit. And they put a hold on every deposit you make. They also have a 4pm cut-off time. THat means that if you get stuck in traffic and make your deposit after 4pm at the branch, it's considered the next business day. So, if they put a 2 day hold on the check you just deposited on a Friday afternoon at 4:30pm, that check isn't available to spend until Wednesday. Pretty bad. THe people that work there are really nice and they know banking...but the place they work at has their priorities all messed up. I like where I am now much better.

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You're right . . . For some reason WF has the nicest bankers there . . . When my account number was stolen they really helped me out . . . Unfortunatly, they said they couldn't just close the account because there were pending transactions, so the person that stole my account number kept using and using . . . They credited all the NSF fees with no problems, but then the loss prevention people noticed all the credits, thought I was in with a banker to scam them out of money, and froze my 4 other accounts I had with them with no warning. I went to use my card and it didn't work. I was one of the lucky ones, since I'd been in so much trying to clean up the ID theft, they knew me there and knew my money in my good accounts was clean. So they went offline and let me withdraw my money. If they hadn't known me it would've been weeks before I'd been able to access my money.

There are much safer options then going the second chance checking route at some of the big banks. As I've mentioned in another post, if you want a list of banks that you can still get an account at if your on chexsystems, please PM me with your state and I will send you a list. Most of these banks will pull credit reports or verify through telecheck, so they won't even know you've been blacklisted from another bank.

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I wrote a check and it CAME INTO MY ACCOUNT AND WAS RETURNED TWICE EVERY TIME IT CAME IN IT HIT BETWEEN DEPOSITS. WE HAVE DIRECT DEPOSITS BECAUSE OF THE HOLIDAYS THEY WERE SLOW. tHE MONEY IS IN THE BANK BUT NOW THE CHECK HAS NOT CAME BACK IN i DON,T KNOW WHAT TO DO. dO i CALL TELECHEK OR THE BUSINESS, i DONT'KNOW IF i SHOULD SEND A CASHIERS CHECK TO THE BUSINEES OR TELECHEK OR JUST WAIT.

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Anyone know who started telechek?
Was his name "Murphy?"

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can i see the bad check that i wrote online.

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How do you get in touch with telechek to find out if you have a bad check?

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due to a banking error not in our favor, we got some bounced checks. we paid them off. i was able to switch banks but they refuse to add my husband to my account due to telecheck. i really need him on the account. any suggestions?

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HOW DO I FINE OUT ABOUT MYSELF IF I HAVE A REPORT ON ME

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I would greatly appreciate a list someone with black marks on checksystems but not on telechecks could use. Thank you. JustinMPage@hotmail.com

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How long do your info stay in system after the debt is cleared

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me di cuenta por que fui a walmart a cambiar unas cortinas y me dijieron que no por que el sistema les salio que un cheke botado y que les debo como 1200dlls y les dije jamas he echo un cheke de esa cantidad a my me robaron my chequera y targetas de credito y licencia y dinero en efectivo y tengo my reporte de la policia de san diego no me explico que Esta sucesiendo hocea que de nada sirvio my reporte la verdad he querido hablar con ustedes y no.es posible no entiendo nada ingles hablo y me contestan y no se que me dicen y me cuelgan que hago por favor yo no quiero tener problemas bastantes problemas tengo para haora con eso

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les mando my correo por favor contestenme por favor brendalc_@hotmail.com

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