I've been trying to open a checking and the bank or credit union won't let me i call the bank they don't have

Question

a copy of my account.... I did bounce a couple of checks before I close account but I took care of them? debrajean

Answer 1

You were probably denied because you had been placed on the ChexSystem.
Even though you had taken care of the bounced checks they probably reported you.

The bank and credit union that denied you should have given you a denial letter that would allow you to order your ChexSystem report for free.

Go back and request the letter from at least one of them. Then order your free report.

Answer 2

Welcome to information sharing at its worse. All lending places use a clearing house for those starting new accounts.

It gives them your credit score (if low will be declined)
If a bank has ever closed your account (will be refused a new one)
Bounced a check and didn't make it good (will be refused)

I went thru this when my Drivers License was entered for a bad check I had never written on an account I had never opened.

Took six months an a lawyer to get that information removed.

I suggest you either get a copy of the account closing from the original bank or show proof that you made the check good and provide them to the clearing house

Answer 3

If you left the bank in good standings, you should not have a problem opening a new account. If you had an overdraft that went on for a long period of time, they have the right to not open you any kind of account.
If that is not the problem then maybe you should try a different bank.

Answer 4

Someone you gave a check to that did not clear turned it into
a credit bureau or check clearing bureau such as telecheck.
The place you gave the check failed to notify the place they reported it to originally that the check had been made good.
Either that or the credit or check place failed to take your name off their list. The financial institution you are attempting to open an account at should be able to tell you where the bad report is coming from. You may have to contact them to find out what business is reflected as not having your check cleared. Real bummer, but we live in the computer age.

Answer 5

maybe you should make sure you took care of those bounced checks. Make sure the bank knows you paid them back. It may just depend on the bank your using, if its the same bank that you bounced checks on they may not want to risk it with you again. Try a different bank.

Answer 6

credit purely continues to be on for 7 years. that's against the regulation for them to purpose to maintain "updating" a similar credit line after that element. Many agencies try this with the intention to maintain it on your credit document so which you will pay up even after the Statute of Limits. seem at FCA and use it to be on your edge. additionally, many credit reporting agencies do no longer completely inspect inquiries via the client. they only ask the "creditor" if this is real. Many teach purely a working laptop or pc printout and cra's settle for it. this isn't any longer suited b/c every person could make a printout. It possibly mandatory to get a criminal professional. Dispute agencies inquiring for a replica of the unique settlement, no longer a printout. wish it facilitates.

Answer 7

Well why won't they?