Can your checking account be found?

[WhatMoney]

We've all cussed and discussed checking accounts and how they can and will be confiscated.

Advice has been given to open new checking accounts and to not share the information with anyone. I am just as guilty about giving that information as any of the others.

Let's now update our checking account discussion:

Checking accounts can and will be found. New checking accounts, old checking accounts, it doesn't matter. These accounts can be found for a few dollars and few minutes of time. Now, let's look at what is available about you and your checking accounts:

Accounts closed for cause
Account opening inquiries
Deposit account collections
Negative retail check-writing histories
Check order histories

Other information that is available on you:

Drivers license numbers
Place of employment
Credit bureau score
Summary of unfilled items (unfilled items is a bad check)
Explanation of unfilled items
Recent account closed
Explanation of accounts closed
Explanation of previous account inquires (This gives the information on checking accounts that have been opened, including bank, branch, and account number)
Summary of most recent check orders. (This tells how many and how often checks have been ordered.

All of this can be had for $2.95 or less per consumer

This is something that is not available to the general public, however for a business that qualifies, it is readily available.

So...... my previous advice about checking accounts should be ignored. If someone wants your information, it will be found.

How about providing some sources for the above information? And $2.95 sounds low to me for obtaining illegal private information on checking accounts. Generally it is from $100-$200 per search.

Here is the specific items I would like to know the sources:
-Check order histories
-Summary of most recent check orders.
-Recent account closed
-Explanation of accounts closed
-Explanation of previous account inquires (This gives the information on checking accounts that have been opened, including bank, branch, and account number)

Since checking accounts do not appear on credit reports unless they have had a credit problem or hard pull for credit, who/where is this information coming from? Banks, Deluxe Corp, and ChexSystems do not provide specific private checking information without a court ordered subpoena, for example.

There are some banks who now do a hard pull without your permission when applying for a simple online free checking account with no credit card or overdraft credit attached - Bank of America for example.

[catleg]

Data collection is one thing, scrubbing it for current/accurate information is quite another.

[frogger]

This information goes back how far?

As old as your credit report. This is nothing more than the same old thing with the credit bureau gathering up and packaging your information for sale.

This is especially used in the subprime market (ie - buy here / pay here car dealers, pawn shops, title pawns, etc.)

You can run, but you can't hide. The amount of data and information for sale by these companies is growing by the day. To be totally private, you have to complete fall off the landscape.

That ain't easy........

[jdcat]

This information goes back how far?

[JEM]

Yikes. Wow.

Once you file though--accounts are safe, correct?

[ApresMoi]

Good to know. Thank you for the info.

[frogger]

We've all cussed and discussed checking accounts and how they can and will be confiscated.

Advice has been given to open new checking accounts and to not share the information with anyone. I am just as guilty about giving that information as any of the others.

Let's now update our checking account discussion:

Checking accounts can and will be found. New checking accounts, old checking accounts, it doesn't matter. These accounts can be found for a few dollars and few minutes of time. Now, let's look at what is available about you and your checking accounts:

Accounts closed for cause
Account opening inquiries
Deposit account collections
Negative retail check-writing histories
Check order histories

Other information that is available on you:

Drivers license numbers
Place of employment
Credit bureau score
Summary of unfilled items (unfilled items is a bad check)
Explanation of unfilled items
Recent account closed
Explanation of accounts closed
Explanation of previous account inquires (This gives the information on checking accounts that have been opened, including bank, branch, and account number)
Summary of most recent check orders. (This tells how many and how often checks have been ordered.

All of this can be had for $2.95 or less per consumer

This is something that is not available to the general public, however for a business that qualifies, it is readily available.

So...... my previous advice about checking accounts should be ignored. If someone wants your information, it will be found.