ChexSystems Help

ChexSystems & Bad Credit Resources

CreditServicer.com is a leading resource site designed to help consumers overcome their problems with ChexSystems and bad credit. We offer a variety of financial services including bad credit loans, credit cards, second chance banking, and debt relief. In addition, we provide free advice and resources which can help you improve your current financial situation.

Quick Start:

Which ChexSystems solution is right for me?
There are several ways to overcome ChexSystems. The option you choose should be based on your personal situation and banking history. Many people have found their solution by opening a checking account through a bank that doesn't use ChexSystems, also known as Non-ChexSystems Banks. While many others have found relief by applying for a second chance checking account or a prepaid debit card. Browse through each option and see which one works best for you.

If I have bad credit, can I qualify for a new credit card?
Absolutely. There are credit cards designed especially for individuals with past credit problems. Check out our credit card page to find the most current list of "bad credit" credit cards. We provide applications to various types of credit cards, including unsecured, secured and prepaid debit cards.

Can I qualify for a personal loan even if I have bad credit?
The current credit crunch is making it more difficult for people to qualify for a loan. Lenders are more stringent with their lending guidelines nowadays, but there is hope. We've teamed up with HFC and Citifinancial to bring you their personal loan services. They are currently accepting applications for all credit types.

I have bad credit and my debts are piling up, can you help me?
Yes, our debt relief partner can help you payoff your debts faster, lower your interest rates, and eliminate fees and late charges. Through debt consolidation, you can simplify your financial situation by making a single payment to the debt counselor. Don't ruin your credit any further, and stop those harassing phone calls from your creditors. Get started by filling out this short debt relief form.

Should I repair my own credit, or hire a credit repair company to do it for me?
We always recommend that you repair your own credit whenever possible. There have been thousands of reported cases where fly-by-night credit repair companies have scammed people out of money, and even ruined their credit. Visit our credit repair section for information on credit, and learn about ways to improve it on your own.

Curious about what's on your credit report?
There are ways to obtain your credit report without paying a dime. Here's three easy ways to get your credit report with no strings attached: Free Credit Reports

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New helpful financial advices

OVERDRAFTS FEES

Overdrafts fees has been one of the significant part in the overall bank fee structure.
Because overdraft fees cost Americans over $30 billion per year, banks are forced by legislation to make customers more aware of their choice about whether to enroll in overdraft protection programs when applying for a new account.
The growth of overdraft protection programs and the use of debit card is the cause overdraft fee epidemic.
The overdraft protection programs, as their name implies, are designed to protect customers against rejected transactions but the economic reality of the banks is that they will charge you a fee of $30 or more to cover the overdrawn charges.
As for the debit cards: no warning or signals from the banks may lead you to expenses you were not supposed to spend until you check your bank statement and see the fees.
Searching for more profits banks will always be trying to find loopholes in the new laws concerning to protect bank customers from fees.
Again if you still do not pay your fee and leave the bank, you will find yourself reported to the chexsystems as risky bank customers and will have problems getting a new account at most banks.
BY YOURSELF
The only way to pay your overdrafts is by yourself.
Check your bank statements and learn every details of it and try to convince the bank to refund your overdraft -nicely ,logically , politely ,without getting emotional .
If you are not built for such behavior, switch to a bank that does not change overdraft fees without penalties.

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New helpful ChexSystems help forum posts

My bank reported me to chexsystems, for how long the report will stay on chexsystems?
chexsystems help
The chexsystems report is usually kept for 5 years but it can be removed if you prove there was an error by the bank or if the debts are paid. Chexsystem will verify your claim with the financial institutions .You will get an answere within 40 days and if the information can be verified by the chexsystem there is a chance you will be deleted from your report.
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