Non Chex System Banks

Chex Systems Problems?

The Chex Systems 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 Chex Systems

• 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 Chex Systems consumer report. You can do this online at the Chex Systems 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 Chex Systems that the problem item is closed.

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

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

How to Overcome Your Trouble with Chex Systems Banks

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

Enroll in First Vineyards unique cash back and referral program and start earning $25, $50, $75 even hundreds of dollars in compensation every month. Unlike credit card reward programs, anyone can participate regardless of credit history. Just use First Vineyard anywhere MasterCard is accepted and tell your friends and family - it's that simple. Qualify to earn 1% cash back on your own spending, plus refer others and receive a $25 bonus and compensation on their spending. This makes First Vineyard the most powerful and rewarding incentive card on the market.

First Vineyard MasterCard Card Features:

• Guaranteed Approval Stored Value MasterCard
• Use anywhere MasterCard® or Cirrus/Maestro is accepted
• Access cash at 1 million ATMs worldwide
• Receive cash back at the point of sale (grocery or c-store)
• Online bill payment included
• Card2Card transfer capability
• Direct deposit payroll and government benefit checks
• Add cash at 50,000 retail locations nationwide
• Powerful online card management tools
• Toll-free account information line (real-time transaction history, balance, also includes built-in calling card feature, and bill-pay capability)

First Vineyard Member Benefits:

• Receive 1% cash back on personal spending - paid monthly
• Refer others and receive compensation on their spending - paid monthly
• $25 cash bonus on every new member personally referred - paid daily
• Benefit from First Vineyard Company marketing

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.

Credit Report Scores - Computing Then

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:

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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.
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