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Posted: Thu Nov 16, 2006 2:33 pm Subject: Teletrack report

Who checks your TELETRACK report??

Posted: Thu Nov 16, 2006 2:42 pm Subject:

Some banks, creditors, or other lenders. It just depends. Most will just pull credit reports or chexsystems reports.

Posted: Thu Nov 16, 2006 3:11 pm Subject:

How do I get Quikpayday off of it??

Posted: Thu Nov 16, 2006 3:20 pm Subject:

Most teletrack items are removed once they are paid. If you've settled with them I would call teletrack and see what the dispute process is. If you have proof your account is marked PIF I'd send that to them with a demand for the item to be removed. It's much easier to get off teletrack then chexsystems.

Posted: Thu Nov 16, 2006 3:22 pm Subject:

I'm sorry, I'm getting teletrack and telecheck confused. Teletrack is a sub prime loan and payday loan reporting agency, and telecheck is a bad check reporting agency. I'm not sure how you'd get off teletrack . . . .

Posted: Thu Nov 16, 2006 3:32 pm Subject:

Negative information reported with Teletrack cannot be removed before five years. Only incorrect items will be removed after you put it on dispute.

Posted: Thu Nov 16, 2006 3:34 pm Subject:

But I wouldn't think of it as a terrible thing. Only sub prime lenders use this service, so all it really does is keep you from getting approved for more payday loans and really high interest lenders.

Posted: Thu Nov 16, 2006 3:40 pm Subject:

So do major loan companies and cc companies check it??

Posted: Thu Nov 16, 2006 3:44 pm Subject:

No, they check your main 3 credit reports.

Posted: Thu Nov 16, 2006 5:48 pm Subject:

Gee, thanks. I was worried that they would check that too..

Posted: Thu Nov 16, 2006 6:39 pm Subject:

The only thing that I have on there is a loan from QuikPayday. I understand that they are no longer doing loans period, so I am gonna try to get them to just mark my acct. paid in full, since they are illegal in my state anyway.. Do you think I might have a good chance??

Posted: Thu Nov 16, 2006 7:25 pm Subject:

Other companies that utilize the Teletrack database are rent-to-own shops, blue hippo type businesses, some finance plazas (auto)and apartment complexes. All of these companies look at different things so it is unlikely that failure to repay a payday loan would affect your chances of renting an apartment, however, it may affect your chances of getting approved for a new computer through Blue Hippo. Who really knows for sure?

Posted: Thu Nov 16, 2006 7:28 pm Subject:

I've even been told that if someone applies for a payday loan and they are denied, it still goes on your teletrack report as an inquiry.

Posted: Thu Nov 16, 2006 7:33 pm Subject:

That is absolutely correct, but companies who use the Teletrack service are generally concerned with recent inquiries only (in the last 30 days). If a person is not applying for payday loans, then inquiries would not be an issue.

sunshine jones · Posted: Wed Mar 28, 2007 7:06 pm Subject: teletrack

if i am applying for a quick cash loan and if i already have a cash advance loan in process, will i be denied for another loan?

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