Chexsystems

Non-chexsystems in an alternative if you get banned.You can always go for Military Options (they have mutual brushwood all over the US so you do NOT want to dispatch this one up if you are eligible for membership).You can get you checking account if you are eligible to get one!Why not try it out guys!It never hurt to try, but it hurts when you never try.Perhaps this military option is actually close in near future for people whi had their name in the chexsystems list to open a checking account .Below the link.

NAVY FEDERAL CREDIT UNION

http://www.navyfcu.org

Important Information:

If you are eligible for membership you will get an account, They do not use chexsystems or Telecheck. So far no one has been bowed down for this account if they converge eligibility.

Revise 8-28-08 Just talked to them and they still do not use chexsystems or telecheck

Membership Information:

Eligibility Checklist
Navy Federal’s tackle of the National Credit Union determined membership Administration. If you are in any of these categories, you are eligible to adhere:

All Department of Defense (DoD) uniformed personnel—Army, Navy, Air Force and Marine Corps, retirees and annuitants

All Department of Defense Reservists—Army, Navy, Air Force and Marine Corps—regardless of drill repute—retirees and annuitants
All Army and Air National Guard Personnel—regardless of drill status—civilian employees, retirees and annuitants
All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs

All DoD civilian employees

U.S. Government employees assigned to DoD installations

DoD contractors assigned to U.S. Government installations

Family Members, counting grandparents, parents, spouses, siblings, grandchildren, children (including adopted, foster and stepchildren) and household members

Once your family members have joined, they can tender the membership opportunity to their family members, too.
- the also proposal matter accounts

Over the existence many people have been tickled to get an account at Navy FCU. Below is a person that recently got an account with them.

Article Credits:chexsystemsvictims.com

Today’s ChexSystems mini-course topic is …

The Fair Credit Reporting Act (”FCRA”)… The key to getting off ChexSystems!

The FCRA, a federal law, is the key to cleaning up your ChexSystems record and getting back to banking. Passed on May 25, 1970 and updated on January 7, 2002, this law was designed primarily to protect you, the consumer, from abuse by the credit bureaus (including ChexSystems).

It’s estimated that over 80% of the reports maintained by the 3 major bureaus, Tran Union, Equifax, and experian contain inaccurate information. Information that STOPS good people like yourself from getting the things in life you need and deserve.

The FCRA gives you the right to literally challenge the validity of any information the bureaus maintain in your credit file. For example, let’s say you have a bunch of NSFs on your ChexSystems report. Under the FCRA you have the legal right to challenge or dispute the accuracy of this information.

The FCRA states that any information contained in your report must be 100% accurate and verifiable or it must be *deleted*!

Think about that statement for a moment “100% accurate and verifiable”. When you consider the fact that each bureau contains 10’s of millions of reports that are constantly being updated, you begin to see just how easy it is for mistakes to occur.

Add in the factor for human error and your report is certain to contain incorrect information.

If the incorrect information is negative you can dispute it and get it removed. According to the FCRA, if the bureaus cannot verify an item within 30 days, they must delete it from your file.

All you have to do is take advantage of this inherent flaw in the system and you’ll quickly begin to see a dramatic clean-up of your ChexSystems report. As your report gets cleaned up, banks will allow you to open a checking account with them again!

We do this with carefully crafted dispute letters like the one’s you’ll find in The Guide to Get Off ChexSystems.

If you haven’t done so already, I urge you to get a copy of your ChexSystems Report today. The sooner you get started the sooner you’ll see results.

They charge a fee of $8.00 per report, but if you’ve recently been denied a bank account, just send the denial letter to the bureau listed on the letter and you’ll get a copy of your report without paying the fee. In the Guide to Get Off ChexSystems, we list a number of super-easy ways for you to get your Report (and quickly!).

Once you’ve received your ChexSystems reports, review them and begin challenging the negative items listed. Remember, if it’s not 100% accurate, ChexSystems must delete it.

Tomorrow we’ll go over the dispute process in more detail and I’ll explain just how important this powerful technique is.

If you want to open a new bank account, and you are on the ChexSystems list, then “The Guide to Get Off ChexSystems” is required reading.

It will explain how to review your ChexSystems report and find the items to dispute first. (and how to do it).

Today’s Topic: What is ChexSystems?

Put simply, ChexSystems is a “Credit Reporting Agency”.

ChexSystems is sometimes referred to as the “fourth credit bureau”. You are probably familiar with the big three credit bureaus (Experian, Equifax and Trans Union) — they are the companies that provide the data that makes up your credit score. ChexSystems doesn’t provide a credit score. Instead, they provide data and information to banks so that banks can make better decisions about who they should allow to open new bank accounts. Banks lose billions of dollars each year due to check fraud. That’s why they rely on data from ChexSystems to try to identify people who have committed check fraud or had bad banking relationships in the past. The theory is that by using data from ChexSystems, banks and credit unions will avoid opening accounts for people who are likely to commit check fraud or create losses for the bank.

Most banks and credit unions use ChexSystems data to screen customers before opening new accounts. Some sources estimate that 80-90% of the banks and credit unions in the U.S.use ChexSystems data. So, if you are on their list, your choice of banks is severely limited.

ChexSystems simply reports information about you to the banks. They don’t “deny” you for a checking account — the banks are the ones who decide how to use information in your ChexSystems record to let you open (or not let you open) a checking account. The key, as we will discuss in the next few days, is making sure ChexSystems doesn’t report ANY bad information about you to the banks.

The “Guide to Get Off ChexSystems” has much more information about ChexSystems and how they operate, and is required reading to figure out how to deal with them. You can still get the Guide (and enjoy our 100% guarantee!) by ordering now.

If you’re like most people, the biggest problem in getting OFF the ChexSystems list is that you simply don’t know where to start. This isn’t surprising — the banking system is not designed to be simple for you — it’s designed to be profitable for the big banks. They don’t want to make it easy for you! As a result, there is simply no clear information for consumers on how to get off ChexSystems. For example…

Most people assume that ChexSystems has correct information. Including the banks that are turning you down for new accounts! This is a terrible assumption, and can be flat out wrong.
Do you know that some people estimate that 70-80% of the records maintained by ChexSystems have errors in them?

That’s right. ChexSystems, like other companies, is not perfect. They collect millions of records of data from hundreds of thousands of reporting financial institutions each year. They are bound to make errors. The unfortunate situation with ChexSystems is that an error in your report can be devastating to you!
Do you know that ChexSystems is a “credit reporting agency” and is required by law to remove certain information from the report they have on you?

The banking system is full of little known information like this. As another example, did you know that there isn’t a “ChexSystems.com” website? They simply don’t want you to have easy access to information! This makes it very difficult for people in your situation. Luckily, I love helping people by revealing the secrets of the system and helping you use the secrets to your advantage. Here are some of the things you will learn…
With one simple letter, you can put the ball in ChexSystem’s court to prove that certain information in your report is legitiimate. If ChexSystems can’t verify the information is legitimate, they need to remove the information from your report. That’s right, you can force ChexSystems to remove the information in your report that is preventing you from opening a new bank account!

Within a few hours of downloading the “Guide to Get Off Chexsystems”, you’ll become an expert in how to get off the ChexSystems list. Believe it or not, getting off ChexSystems is just like anything else in life…

It’s Easy. Once You Know How…

I can’t tell you how many people have told me “I’d love to try to get off the ChexSystems list, but I just don’t know how to do it.” Or, “I’ve seen the sample letters and tips on the Internet, but they are just too confusing.”

You can do it. You just need to follow the simple steps laid out in the “Guide to Get Off ChexSystems” I love helping people like you level the playing field with the big, powerful banks. Its very rewarding. Why should the big banks have all the power? I say “give the power to the people”!

Let’s face it. We’ve all had some banking problems in the past, but don’t let it get you down. Why should a bounced check or two prevent you from getting the bank account you deserve? Or worse, why should a mistake by your old bank or ChexSystems have such a huge negative impact on your life!? Don’t let these mistakes continue to affect you! Take action now. If you can read this letter than you have what it takes to learn every secret I will share with you in an exciting new home study course called the “Guide to Get Off ChexSystems”.

he “Guide to Get OFF ChexSystems” contains more step-by-step, easy-to-learn, easy-to-use ChexSystems secrets than any other source. In fact, the information in the “Guide to Get OFF ChexSystems” is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.

You have NOTHING to lose.

Did I mention that I am providing the “Guide to Get Off ChexSystems” … with a MONEY BACK GUARANTEE?? That’s right. By teaming up with a number of amazing partners, you can get the “Guide to Get Off ChexSystems” right now, for free. Simply choose from among hundreds of trial offers from one of our partners, and you’ll get instant access to the “Guide to Get Off ChexSystems”. You have nothing to lose, and possibly a new bank account to gain!
Here’s what to do next…

Simply click the Order Now Buttom at the bottom. It’s as easy as that. You’ll be taken to a fast and simple checkout page (you can pay with PayPal, Visa, MasterCard…. whatever). You can order 24 hours a day, 7 days a week, and get immediate and INSTANT ACCESS to the “Guide to Get Off ChexSystems” web page on this 100% safe and secure site. The Guide is delivered in a simple Adobe Acrobat document that you will have instant access to and that works regardless of whether you own a PC or a MAC. (We respect your privacy and your information will never be sold, shared or rented to a third party … ever!)
Getting Your Copy of the “Guide to Get Off ChexSystems” is easy. Use our Secure Server by clicking the Order Now Button below. Note: this Guide usually sells for $79.95! This is the downloadable ebook version, available instantly 24 hours a day. No print course will be mailed.

If you really want to get off the chexsystems list,check this out!