Bank account

I just wanted to acknowledge your post, please keep checking back for replies. :)

If Bank of America and Wachovia reported this on your credit report. First see if you can settle with them less than the amount due. Be sure you only pay what is due some add on extra daily fees but they are most of the time able to waive them. BOA has a lawsuit going on stating that they had overcharged their customer fees. You should be able to google that and find it onsite. You can check with Wells Fargo Bank in CA they are giving what they call Second Opportunity checking and savings it is 100.00 to open one or the other account. Make sure they haven't reported you to chex systems if so you will be in there I think 3 to 5 years. But if you have paid BOA and Wachovia get a letter from them stating that the debt has been paid and some banks will open you an account as long as the debt was paid. If you pay BOA and Wachovia you could also ask them if the amount was paid in full to remove it from your credit report make sure you get it in writing if they agree to.