Help with credit cards

[tcreegan]

chexsystem

From the horses' mouth:

Why wasn't my ChexSystems report removed when I filed bankruptcy?

A bankruptcy filing only affects the collection of outstanding debts. It does not require the removal of accurate factual information concerning your account.

The other thing to remember with chexsystem, the member banks are the ones filing the reports. If you want something removed, go see the bank that posted the report, they can remove it

For errors, chexsystem has to follow the Fair Credit Reporting Act.

Tom in Colo

[ccsjoe]

I believe so, but do not know.

[bigtim6656]

my bad I meant like your credit does, like IIB

[ccsjoe]

does chexsystem get cleared off when you get discharged

I do not believe so, it would be tantamount to your credit reports getting cleared when you get discharged. Apply same principles. IIB for example

[bigtim6656]

does chexsystem get cleared off when you get discharged

[ccsjoe]

They verify chexsystems and some take a soft peek at your credit in order to offer you an overdraft LOC.

You don't need a job for a bank account, no.

LOL

Keep asking

[annalynn]

when you open a new account they don't pull credit right?

I am fine on Chex Systems have never gotten in trouble there.

And you don't need a job for a bank account right?

Sorry--it has been so long since the last time I did this!

[bigtim6656]

open an account at the same bank and close the hold one. If you tell them what is up I am sure they will help you out

[drowning123]

I bank with Citi. They blocked my account all on their own. Glad they did because one of the payday companies keeps emailing me saying they can't access my account. I can't say exactly how long it will take for you. Hopefully one day.

[ccsjoe]

I'm familiar with both Patelco and Golden 1, but have no idea how long they take to open an account. I know when I went to US Bank two Saturdays ago, 15 minutes before closing time, I got our account opened in 14 minutes....AssMan...err I mean assistant manager wanted to make sure he could close branch on time....hehehe

[annalynn]

I would go to a new bank and close your old account, but that's just me being cautious.

Didn't notice you had replied already. Some credit unions are notorious for "dismissing" members when they learn of their BKs, others not. So Citibank, Chase etc are doing autopays from your CU account correct?

I think you telling the CU you "lost" a box of check books, or some other way that your account information may have gotten compromised and you want a new account number and the old one closed...should suffice. However, I still stick by the above. Chase and Citi know where you bank....again, I do tend to be paranoid, but my training made me so...and it actually is an asset

it is definitely an asset--and I took your advise. Thank you!

[annalynn]

I just popped over to Patelco CU (about the only other bank in town I don't owe money to) and filled out the application.

It is "pending" any idea how long that will take?

CC payments are taking about 1200 per month out of my account. Now that I am pretty sure I will be filing--I think it is time for that to stop.

Tomorrow I will go to my CU and try to get them to stop withdrawals from my account for the time being.

It may take a few days ? not sure--I haven't applied for a new bank account in ages. I have been with Golden1 since about 1990!

I really really appreciate the help.

[drowning123]

How much money are we talking about Anna (Chase and Citi)? I'd close the accounts then. Take that money and go open a new account. Trustee won't mind. My lawyer told me to explain that I have an account included in my BK that is linked to my checking account and in preparation for my bank not servicing me anymore, I closed the account.

[ccsjoe]

I would go to a new bank and close your old account, but that's just me being cautious.

Didn't notice you had replied already. Some credit unions are notorious for "dismissing" members when they learn of their BKs, others not. So Citibank, Chase etc are doing autopays from your CU account correct?

I think you telling the CU you "lost" a box of check books, or some other way that your account information may have gotten compromised and you want a new account number and the old one closed...should suffice. However, I still stick by the above. Chase and Citi know where you bank....again, I do tend to be paranoid, but my training made me so...and it actually is an asset

[annalynn]

I already bank with a place where I don't owe any money---and the account is current.

I would like to stay there if possible--it is a credit union and they have been very good to me.

I just need to stop Citibank, Chase etc from depleting my bank account.