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I just received an email from one of my PDL's saying that if I didn't call them they would report me to teletrack(not that I want any more PDL's) and consumer credit report. Is this a scare tactic?

Posted: Wed Sep 06, 2006 2:03 am Subject:

no one really uses teletrak except PDL's.

Posted: Wed Sep 06, 2006 7:11 am Subject:

I have dealt with about 15 PDL's and only 3 of them reported me to teletrak....but like LCW said, only PDL's use it so it didn't really cause a problem for me, especially since I wasn't trying to get anymore PDL's.

Posted: Wed Sep 06, 2006 8:06 am Subject:

dont banks use it when you try to open a checking acct.? Also, doesnt ift effect your ability to write checks to merchants?

Posted: Wed Sep 06, 2006 8:11 am Subject:

Yes it does. Banks and some merchants use teletrack. Especially the large stores. If you're in teletrack these merchants can refuse your check, causing some highly embarrassing moments! lol
You can google them and go directly to their website. They have a form you can download and send to them for a report on your account.

Posted: Wed Sep 06, 2006 8:17 am Subject:

That's what I did, I called Teletrak and had them send me a report. Different stores use different companies for their checks. I thought Teletrak was strictly for PDL's but I guess I was wrong. I have written several checks since those items were on my report and I haven't been turned downed yet..thank goodness. That would be quite embarrassing.

Posted: Wed Sep 06, 2006 8:27 am Subject:

Yup..banks will report you to teletrack if you have an account that's still open with a negative balance and such.
Also, if you bounce alot of checks, they'll report you too.
Some pdl's get pissy and will report you, but alot of them won't.

Posted: Thu Sep 07, 2006 12:41 am Subject:

I thought banks use Chexsystem and TeleTrack is exclusively used by payday lenders. Am I wrong?

Posted: Sat Sep 09, 2006 12:59 pm Subject:

Just heard from an attorney regarding them...
Heres' what he said:
Most banks use Chexsystems, some will use Teletrack. But it all depends on the bank!

So there you go...sorry for the misinfo folks. My bank at SunTrust used Teletrack for the longest time.

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