If you do not need a bank at all ( who doesn't ) look at it like history but if you do, you may search for a bank who doesn't use chexsystem .
But who knows ,someday there is a chance that chexsystem may remind you about your bad report and if it will be important to you ,you will have to dispute with the bank in order to recover your reputation and for that you must know every thing about your report and the way it works .You will have to deal with major credit bureaus witch are scoring your report to know who owns debts against you and how much you owe .
You will find lists and account numbers,balance,credit limit,payments on each account.
Credit reports includes a list of the creditors who asked for your report ,the longer the list the worst it looks.
09-13-2010, 07:13 AM
as a member listed in the chexsystem is there a reason
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