options for chexsystems?
also, is chexsystems 5 years for removal? my one item should be dropping off in august if that's the case, though would that still be if i was still paying it off?
Yes, every item recorded in the ChexSystem stays there for five
Yes, every item recorded in the ChexSystem stays there for five years. Even if you pay off the debt it will stay there for 5 years (i.e, till August in your case) but will be updated in your report as "paid in full" or "settled in full".
PA help
Many times paying on the debt owed to the reporting bank(s) will update the account being reported and it will take 5 years from the date of the last payment made.
What is your zip code there in PA?
Submitted by Mary Adkins Matthews on Wed, 06/10/2009 - 06:29
my zip code is 19403 ... i had heard about woodforest bank but h
my zip code is 19403 ... i had heard about woodforest bank but heard mixed things...really i want an account for saving face purposes (ie apartment, credit card,etc)
Yea WoodForest would be a really good second chance account for
Yea WoodForest would be a really good second chance account for you there. It is a good bank and they are very friendly to those reported to chexsystems.
If you are not reported to Telecheck, then I would suggest trying Univest Bank.
Name of Bank
Univest Bank
URL
http://www.univest.net/default.asp
Form of Verification used by bank Telecheck, they do NOT use chexsystems
Special Notes
DOES NOT USE CHEXSYSTEMS
-They also have second chance checking for those reported to Telecheck
http://www.univestdirect.com/second-chance-checking-accounts
They also offer second chance checking for those that don't qualify for a regular account
They do have automatic 1000.00 overdraft protection even if your credit is not good
Membership Information:
Email From Bank 11-20-08 To verify information provided when opening a new account Univest utilizes TeleCheck and Equifax.
Locations
595 West Main Street
Trappe, PA 19426
you can apply online for an account
Submitted by Mary Adkins Matthews on Fri, 06/12/2009 - 09:05
also would woodforest be an option even i have chexsystems accou
also would woodforest be an option even i have chexsystems accounts i still owe money on?
Free annual file disclosure pursuant to the Fair Credit Reportin
Free annual file disclosure pursuant to the Fair Credit Reporting Act
1-800-TELECHECK
Returned Check Collection
1-800-366-2425
Headquarters
TeleCheck Services, Inc.
5251 Westheimer
Houston, Texas 77056
and yes WoodForest will approve you even if you have been reported to chexsystems and telecheck and even if you still owe the reporting bank)s) money. They don't care and they are very nice too
Submitted by Mary Adkins Matthews on Tue, 06/16/2009 - 21:57