Office Time

If you thought that credit agencies were invading their privacy,
does not seem to read the latest and office
for several years.

You know what to do someone like you, when it is, your
Credit cards and the use of elements of the loan? Well, no
Organizations out there looking at you and hit
Return of checks and other findings created by your debit card and
Credit Carduse.

If you have late payments on your credit card is subject to conditions
Interest rates on the rise and eventual closing of the account. In
Similarly, fees for bounced checks and overdrafts
Banking and close your bank account.

I know many of you say to yourself: "I do not, why go
another bank or credit union and open an account? "The answer is
- The establishment of others know that yourThe history of rubber
Checks and closed accounts. Once again it was said:
"How?"

With names such as ChexSystems and TeleCheck, you know,
See you out and will be monitored. These companies offer to do things like
The approval of control, assurance and audit of banks, retailers,
Credit cooperatives and other businesses that accept checks. These
Shops and banks decide to accept the check or permit
youOpen a new account with them.

Since negative information can be found remain on your credit report
seven years in the black list of negative information to verify
five years. If you are not aware of this office, even negative
It is to report fraud or identity theft never hurt
Check their reputation.

Credit card transactions fair and accurate, the Act (FACTA) periodic
Companies providing services such as closure due toConti and
other information services of collecting the same way as credit --
Reporting agencies. Despite these provisions ChexSystems
and similar institutions, disclosure and the communication itself
Requirements, credit agencies, many consumers are
no knowledge of these systems must guarantee approval.

In this case, ignorance is not luck, because most consumers do not
Learning to keep files in testA system of licensing. If
Error or fraud in its report on the cause of control were
declined in the past, probably have their problems with evacuation
Name.
Candidates for the new account screen TeleCheck.

One important reason is the generation of income - do not check the bills
Revenue, and many criminals also open to revision
with an institution, their exposure to fraud is much greater. So
E 'in the best interest of the Bank for sinthe safe
and refuse to open a bank account, if you have some bad news
Information in the report. The thought is this: it is better
divert up to 1 customer is legitimate report is full of identity
Theft, but to open an account for a scam, the checks bounced
Bilk and the Bank for the thousands of dollars. In 2002, only banks
lost an estimated 1.6 billion and 15 million U.S. dollars by operators due
Controls.

Most companiesto correct errors in their advertising
to help even things right with the bank and is named
its database. Company's website or telephone 800
Number and request a report. Depending on the condition of the plant,
Your report will cost $ 0-8.

Unlike your credit report is a file with
ChexSystems, and if these companies adversely
Information. In this case, no news is good news. Two examplesof
negative information would be sent back checks and evictions from apartments.
If you check the report, you can not have this
Archive negative control refused to accept money
stand.

If and when you find errors in the file, please contact the
To write the report was created on the company's website or send a letter
Controversy. It should be investigated and receive a written response
Report on the results. You should alsothe ratio of fraudulent use of
to check if they have been victim of counterfeit check, which
NSF (NSF), an activity or a fee for the design review
Account (s).

ChexSystems

http://www.chexhelp.com

1-800-428-9623

SCAN

http://www.scanassist.com

1-800-262-7771

Telecheck

http://www.telecheck.com

1-800-710-9898