No Credit Checks Or Credit Turn Down

ChexSystems Problem?

The ChexSystems is a network of banks and credit unions that share information about mishandled checking and savings accounts. This information is used to help member banks and credit unions determine their credit risk in opening a new account for potential customers.

Like a credit bureau, the ChexSystems

Receives data from member institutions
Maintains the data for 5 years or until it must delete the data according to law, and
Distributes data to member institutions.

Member financial institutions then use that data to evaluate their risks for new accounts.

If you have been rejected for an account in the last 60 days you are entitled to a free copy of your personal ChexSystems consumer report. You can do this online at the ChexSystems Help website.

If your report shows negative items that you have already cleared up you should contact the financial institution reporting the problem. Ask them to notify ChexSystems that the problem item is closed.

To dispute other items on your ChexSystems report, submit a letter indicating why the item should be corrected or removed to:

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

How to Overcome Your Trouble with ChexSystems Banks

Yes, you can get direct deposit, a MasterCard card, and all the benefits of checking. All with NO ChexSystem hassle.

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Find Banks that Do Not Use ChexSystems

What You're About to Learn:
How to get a new checking account if you are currently listed in ChexSystems. We keep a freah updated list of over 100+ FDIC Insured Banks nationwide that have been known to give checking accounts to people in ChexSystems, complete with contact information. Many have online applications and offer Visa Check Cards and/or ATM Cards.

Show me the Non-ChexSystem Banks now.

Turned Down for Credit?

If you have been turned down for credit, the lender is required to tell you the reason for the turn down.

Lenders will often describe in a letter the reason you were not approved. Sometimes the letter will tell you to contact them for that information.

Do not hesitate to ask them for a clear explanation of the reason for your rejection. They are required by law to tell you.

If the reason included details found in your credit report, you should find out which credit reporting agency they used. There are three major credit reporting agencies: , , and

You are entitled to get a free copy of your credit report from the agency that was used to deny you credit. You must request your free credit report within 60 days of your turn down.

If you find mistakes in your credit report you should document the error. That is, if there is a record of an unpaid debt on your credit report and you either paid the debt or the debt is not yours, you need to document that fact.

If you paid the debt you should try to get a statement from the store or company you paid. The statement should indicate that the debt was paid.

If the debt is not yours, you should seek proof of the debt from the store or company. Often, this will be in the form of a signed contract or a credit card slip. If the signature is not yours, you can then contest the debt with that store or company.

Once you have the documentation that the debt was paid or is not yours, you can mail copies of those documents to the credit reporting agency. They must investigate the items on your credit report and remove them if they are in error.

During this process you should record the dates and a brief overview of each conversation or letter you exchange with any group involved.

Contesting errors on your credit report can be a lengthy process. If you do not want to take the time to be personally involved, there are several alternatives.

Two Methods that Help You Dispute Items on Your Report

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Do It Yourself Credit Repair

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How to Establish AAA Credit in 30 Days
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How to Wipe Out Debts WITHOUT Bankruptcy
Guerrilla Tactics that will Give You a Good Credit Rating
How to Dispute Credit Report Errors
Sample Credit Repair Letters

Get on the right track to Credit Repair today.

Credit Report Scores - Computing Then Insufficient funds?

Your credit report scores are based on factors that appear in your credit reports:

Bill payment history (Good: on time and for the full amount)
Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
Length of credit history (Good: 3 or more years of on time payments)
Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

If you've found this site useful, please link to it so that others can benefit. Use the following in your link:

Link text: Credit Report Scores - See and Improve Them

Description: Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.

Link to: http://www.credit-report-scores.us

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