Is TeleTrack the same as Telecheck?

It is true , this will create lots of problems, and can be very embarrassing in public

So TeleTrack and telecheck are the same things? I have checked out the TeleTrack website and it did not mention anything about check writing priveleges so I am confused.

It doesnt matter because I am paying off my balance with Rio Resources as agreed (65 dollars) but I want to be educated on this Teletrack thing.

Yes it can create alot of problems

Hey Sapphire - check your PM

Well, They did the same thing to me... However, i still write checks from my new account.. Just not from that account, and it does cause big problems.... It takes a while to get cleared up.. I actually got a teletrack report to see who reported me and where i needed to start paying to... So thats what i did

Hi: Can you tell me how to obtain copies of my telecheck and Teletrak reports?
Thanks:)) :wink:

Missy, Go to Teletrack website and view your account history. You need to order for your consumer report at 877.309.5226

There is a difference, Teletrack is what payday lenders look at when processing your application for an approval loan. telecheck is where merchants report you for hot checks, when you have checks with them, yes you will be unable to write them at other various merchants.

Ok, I just want you guys to clarify something for me. If the payday lenders have chking acct info that is now closed does that affect chk writing off a new bank acct?

generally no

I wouldnt think so and It didnt for me :)

Good day,

I see this thread is a year old, In my previous marriage, a check was bounced in the year of 1999; I still cannot write checks at grocery stores and I am in a new stae, with a new checking account, not to mention it is 6 years later. I can though, send in checks for payments in places like utilities, car payments - it seems to have affected the POS merchants.

hmmm...I always thought you were on chexsystems for only 5 years. Anyone know when you go off the file?

I always thought telecheck was used by merchants to report bad checking accounts and teletrack was used by payday lenders when someone defaults on payday loans. I've been on Chexsystems before and it does stay with you for 5 years, but it also showed that I had a "0" balance because I paid the bank what I owed so I was able to open another checking account.

what a mess. So esentially, chexsystems and telecheck are similar, right? I know that teletrack is sub-prime lenders.

Chexsystems is mainly used by banks before opening up new accounts, and everytime you write a check, for instance, somewhere you have never wrote one before,(grocery store, dept. store,) and they run it through the scanner, if it is a bad checking account, that scanner would notice that and not accept your check, but I think telecheck usually picks up on closed checking accounts.

I could be wrong about the telecheck thing, but I'm 95% sure about how the chexsystems thing works because I've been on it.

gonlaz

It's the bank routing number and account number that is usually getting scanned in the register. Not your name, or your social security number. Something is linked to the account number.

I would contact your financial institution. If you're in a new state, and have a new account number, then there shouldn't be anything tied to that check that would make it get returned to you.

Interesting, because I was unable to find a bank account in most places because of this check. I finally got one at BoA, 4 years later, but only after I applied at 4 other banks.

chagrin

If you owe money to another bank, you won't be able to get another bank account anywhere.

What I was stating was that you should be allowed to write new checks if you have a new account. If you happened to bounce a check with Pizza Hut in New Hampshire, and ended up closing that account and moved to Nebreska, the new account you have there should not have any ties with your old account. Especially if its a different bank/name.

Mikey, that depends on whether or not your driver's license or other unchanged in fo is in the system

Usually when you move out of state and get a new account, you're required to get a driver license in the state you reside in.

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