Check Systems and my BK status

[danacollins]

I just recently filed chapter 7 and have been through my 341 meeting with the court appointed trustee. However, now I'm concerned that I will not be able to write checks around my home town without problems from a check-reporting system called TeleCheck. I've not ever been denied by that little electronic alligator, but today it returned a denial when my check was run through it's system. The odd thing was that I could complete my purchase with my VISA check card but thought about my new status within the credit bureaus and wondered if that was why I was denied. Please advise if you have any knowledge pertaining to this oddity. Thanks!

[HRx]

I just recently filed chapter 7 and have been through my 341 meeting with the court appointed trustee. However, now I'm concerned that I will not be able to write checks around my home town without problems from a check-reporting system called TeleCheck. I've not ever been denied by that little electronic alligator, but today it returned a denial when my check was run through it's system. The odd thing was that I could complete my purchase with my VISA check card but thought about my new status within the credit bureaus and wondered if that was why I was denied. Please advise if you have any knowledge pertaining to this oddity. Thanks!

The reason why they accept your Visa Check Card is because payment is deducted instantly. Because checks aren't deducted from an account instantly, (unless it's a Electronic Check Payment) and you have a poor check writing history - which was reported to Check Systems. They would not accept your check.

[danacollins]

Thanks. I really appreciate your time. I couldn't wait so I contacted the bureau to find out if there was an existing problem. They could not find a report but encouraged me to try another vendor that they support. I did and everything was fine. The bureau did tell me that they report on credit history and ratings, only when asked to do so. The "system" is setup to alert their customers of individuals that have a history of check problems or any those that have pending or unresolved problems. I never had a problem with my checking account. My BK was the direct result of a crime. UGH!