is it true that you can't open an account in five years if your on chexsystems?
446394
While the major credit bureaus keep negative items on file for seven years, ChexSystems keeps items for five years from the date of insertion.  If you decide to dispute anything on there request a copy of your chexsystems report.  Some banks run your credit at the time you open your account and some don't and some can use a Manager's discretion.  Plan on being on their database for a long time even if it wasn't your fault like depositing a false check that someone gave you.
261228
no...if it's the same bank they won't let you open one, and if you go to another bank they will search for other accounts in your name, and the status of them. Frozen accounts and accounts in the neg are red flagged. No bank will let you open an account if you have another account that's frozen.
57344
You can order a report to learn what information, if any, ChexSystems, Inc. has about you. If you have been denied an account from a bank or credit union, and ChexSystems(SM) was used in the decision process, this information will help you understand what contributed to that decision. You're entitled to a free one each year, just like a credit report...
349206
Most national banks use ChexSystems, if that's what you're referring to. I would suggest to try a bank that exists only in your local area. The smaller the bank, the greater the chance that they don't use ChexSystems.
656138
you'll have to open a a new account
713660
Unless you are the administrator on the account you probably can't.
435653
It depends on the bank's policy.\n\nSome banks check your credit, some check Chex Systems, some check both and some check none. Most of the National banks check everything but the smaller banks and credit unions may not. \n\nThe only way you can find out is to ask. After all there are lots of banks/credit unions that want your business, why not shop for the best deal in your situation.\n\nGood Luck
154054
you dont. you'd have to set up a new account.
1062231
Call the smaller credit unions and ask them. Most banks and credit unions with at least 5 branches use chex systems.
218787
You have 5 years to settle a claim.
1017174
I would contact the Social Security Administration.  Congrats on finally hearing from them.  Many wait for years.  I only had to wait my 5 month waiting period.
879346
As long as you pay the overdraft fees and get your account back to at least a 0 balance, no. It will destroy your credit if you don't pay it and they close the account and send you to collections. Not only will that hurt your credit, you will be reported to chexsystems, and it will be nearly impossible to get a regular account for 7 years.
539134
depends on the bank but i dont think you can
300146
No. Your six month saving goal is not met.\n\nWhy? \nEmergency funds need to be held in the appropriate account. A demand account, savings, where you can get at it at will without having to wait for it. \n\nShould you have an emergency, then you can get at it - immediately - as emergencies usually do not give notice.\n\nGood Luck!
439198
First Internet Bank of Indiana (www.firstib.com), They don't use Chexsystems, they do however run your credit.  I was able to open an account even with a bankruptcy...
222674
yeah, in witness protection program. otherwise you have to die and be ressurected in america\n\nyou can start over any time though, its a tough process but at the end you would be the person you would want yourself to be with a new social security number. I hear the credit report and the history only goes up to 7 years on file since the date of repayment.
477288
Most people don't know about this but there is an opt out for credit card companies.  You can opt out for 5 year periods or for life.  Goto https://www.optoutprescreen.com/ and fill out the form.  That's all.  It worked for me within a few months no more credit card offers at all!