i have a account with the local credit union bank
2006-08-08 02:37:09 · 4 answers · asked by walter k 1 in Business & Finance ➔ Renting & Real Estate
Go to www.bankofamerica.com and open a checking account, then go into bank of america after you open the account online to sign the paperwork. this in turn overlooks NCPS, National Check Protection Service. they are pricks.. that way they dont make you pay the $200 bucks. how do i know becuase i did it, they take forever telling you what you owe and to who, and they loose track becuase some check bounced 6 years ago for $43.00 so i learned to beat the system.
2006-08-11 22:21:08 · answer #1 · answered by realtordakin 2 · 0⤊ 0⤋
Go to any bank and open a loan and take the money out of your savings account and pay off the bank. I think I would first call any of the 3 credit reporting agencies and get a copy of your report and find out if the bank turned over the debt to a collection agency. If that happened, which I would be surprised if it didn't, then it will be listed on your report and you can get the number off the report and call them and set up either payments, or pay for the debt plus a little interest and other fees. Once that is done, have the collection agency send you a letter of release (a letter that states the debt is paid in full), and then go to a bank with the letter and all payment receipts and apply for a checking account. When you apply for one, they always pull a credit report first and you also might have to have a savings account with a balance and/or pay higher maintenance fees, and/or carry a minimum balance until your credit status is back up to what they require. If there is nothing stated on your credit report, then just go to the bank and pay the original debt off. Once that is done, there again, get a letter. But, I would be shocked if its not on your credit. Banks will probably be the first ones to send it over to collection agencies.
2006-08-08 02:48:55 · answer #2 · answered by brittme 5 · 0⤊ 0⤋
so what do you want to know???if it is so worrisome to you then go to your old bank and pay off the debt..that would be the wise thing to do...and if you can t then go to a bank which has no credit check...there are many out there...any other things i can help you with let me know...but i would suggest that you pay off your debt and then when you open a *FREE* checking account then sign up for overdraft protection with your savings account that way you wont have any other problems..and try to switch your savings to an interest savings..make a little cash while they are holding your money..hope this was helpful
2006-08-08 02:45:19 · answer #3 · answered by willsgurl 2 · 0⤊ 0⤋
pay it off
2006-08-08 02:40:53 · answer #4 · answered by Harold T 5 · 0⤊ 0⤋