Question by evianne5 -: How does a person get off the Chex System after bad banking behavior and declaring bankruptcy?
I have a friend who cannot get a checking account because he did not pay off a credit card he had through his bank a couple of years ago. He plans to file backruptcy and has been using the Green Dot debit card thing for while. However, not knowing much about this, I am wondering if he can ever repair his credit, get off the Chex System and eventually get a checking account, or if he is doomed to use Green Dot forever. If he can get off the Chex System list, then what is the process and how long does it take? Thank you!!

Best answer:

Answer by echo
When a person is on Chex it is difficult, but not impossible, to be removed before the 5 year reporting period is up.

If a person is denied a banking account for being on Chex, the bank should give the person the information to receive a free copy of their Chex report.
If what is listed is reporting correctly then it would be extremely tough to remove.

But, with that said, there are “many” banks and credit unions that do not use Chex.
There is a free to use site where your friend can look up his state to find a bank or credit union that doesn’t use Chex.

www.chexsystemsvictims.com/

When you go to the site, click on the tab at the top that says “Get My List” then scroll down to near the bottom of the page and click on your state.

The woman who owns the site donates her time, and resources, to locate banks/credit unions that do not use Chex and she works hard to keep her database as current as possible.

What do you think? Answer below!

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Consolidate Debt- Interesting Article For Consolidation Debt Program

If you’re in the market scouting for the ideal debt consolidation loan for yourself to combine all your debt accounts into one, then you should probably look at what Bank of America (BOA) has to offer in this sense. Bank of America is undoubtedly one of the biggest names out there when we speak of banks and financial institutions in the United States. With a rich history and an ever-evolving set of programs deemed fit to assist consumers in terms of finance and credit, BOA has always helped consumers cope with debts effectively, especially those that have no fears of losing their homes and possess good cash flows. BOA’s latest in the field of debt consolidation is called the ‘Clean Sweep’.
If you are looking for information about consolidate debt, you will find the below related article very helpful. It provides a refreshing perspective that is much related to consolidate debt and in some manner related to credit and debt counseling, credit debt management, mo debt consolidation loans with poor credit or christian debt consolidators. It isn’t the same old kind of information that you will find elsewhere on the Internet relating to consolidate debt.
It is very important to choose a reputable Debt Consolidation company. You must opt a corporate that is in good standing with the Much better Business Bureau and has no formal complaints against them. Keep under consideration, you will have to give them all of your private information such because social security number, birth date and all of your allowance card numbers and account information. If this information were to fall into the inaccurate hands you may easily become the next identity theft victim.
Private bankruptcy need to be a last resort in debt management and debt consolidation. If and only if you’ve exhausted all of your other options, you’ll declare bankruptcy. This gives you a court order saying you are no longer accountable for paying off certain debts. On the other hand, bankruptcy information remains on your credit report for 10 years. This can be a major roadblock in obtaining subsidy, purchasing a home, securing life insurance, or even getting a job.
BREATHER — As you pause on reading this article I hope it has so far provided you with insightful information related to consolidate debt. Even if it hasn’t so far, the remainder will, whether your interest is consolidate debt directly or other related angle such as mortgage quotes, financial help, low interest debt consolidation loan or bad debt consolidation loan.
Have complete information regarding your financial status: This should be your first step towards obtaining consolidation loans. Carefully assess the loans you have and interest rates you are paying. This information would be helpful when choosing a debt management plan with rates lower than those of the existing loans. The new debt consolidation plan selected need to be within current budgetary limits.
Your bills can be consolidated into one very manageable payment each month with debt consolidation. An unsecured loan may also not give you the best interest rates but with this type of loan you don’t have to sign over any of your personal assets such as your house so as to get a loan. Your home will never be at risk from a consolidation loan with an unsecured loan.
Many people looking for information about consolidate debt also looked online for unsecured debt consolidation loans, credit counseling services, consolidate your bills, and even nevada non profit credit card debt consolidation.
Many students find it simpler and less time-consuming to turn in all their student loans for just one monthly payment. Based on their allowance history and the current rates on their student loans, thy may even qualify for a lower interest rate.

Consolidate debt by contacting a financial institution for loan opportunities or looking at existing credit cards with lower interest rates. Lower monthly debt payments through debt consolidation with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

Question by Jim Jackson: What is the credit score scale?
I know FICO scores range from 330 to 830, but does any one know what the scale is? What is scores constitute Excelent, Good, Average, Fair, and Poor? I know that a score above 760 is excelent, and anything below 600 is poor, but what is the scale for the scores inbetween?

Or, if it helps you, my socres are between 670 and 708. Where am I?

Best answer:

Answer by littlemissmay
check http://www.myfico.com and I thought ficos where from 300 to 850 but anyways hope the site helps

Give your answer to this question below!

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Question by Kevin S: I need to know how to repair bad credit. My credit report came back today and my score is in the high 500′s?
I’ve seen lots of websites, lots seem to pretty scary, i.e. scams. I’m looking for a reputable source that can help me legally and quickly. We’re trying to buy a house and the interest rate I was quoted makes the payments way too high. I went through a messy personal relationship and my credit record ended up being totally trashed.

Best answer:

Answer by Sand Bag
Just do the repairing yourself and you will be fine. Remember credit repair takes time and patience but anyone can do it. Here is a good source of information on how to do it.

What do you think? Answer below!

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• how can i know my credit is bad or good

Debt Relief Consolidation-Quick And Easy Debt Consolidation

Quick And Easy Debt Consolidation Become Debt Free In Less Than 12 Months

Debt Relief Consolidation:

Debt consolidation. What is debt consolidation? We hear about it all the time and every day, but few of us actually know what it is. Debt consolidation is when all of your debts are rolled together. For example, if you owed ,000 on your house payment, ,000 to Best Buy and another ,000 to the bank, you would consolidate those two so that you know owe the ,000 to one place.

However, with debt consolidation often comes debt reduction, and you can often reduce the debt you owe to a lesser amount, something that is bound to help you breathe a sigh of relief.

Debt consolidation is a breath of fresh air for many individuals in need of something, anything for them to keep above water. The process of debt consolidation will no doubt help with this. Individuals who go through the debt consolidation process know how much debt consolidation helps.

Quick And Easy Debt Consolidation Become Debt Free In Less Than 12 Months

No longer do you have to go to thousands of different places to collect your debt. Now you can just go to one place and no longer have to keep track of all those odds and ends bills. This will help you not be late on payments because you can’t remember where you were supposed to pay and where you are supposed to pay 0.

Debt consolidation is an amazing way to consolidate, and hopefully reduce, debt. If you’re struggling and can barely keep your head above water, then check out debt consolidation. It simply is the best way to go. Debt Relief Consolidation:

Question by Scion: Can you get credit cards with a credit score of 650?
I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?

Best answer:

Answer by jeannette p
Amazingly enough, you can get high-interest credit cards with a terrible credit score of below 500. A credit score of 650 is actually a pretty good score!

What do you think? Answer below!

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Debt Counselling Services Need Assessment

A Debt Counselling Service is crucial, especially when considering the present lifestyles and the functioning credit patterns in UK. It in fact is a detailed process, which could effectively deal with all debt problems.

About Debt Counselling Service
A debt counselling service, just like any other advisory service entails an extensive understanding and assessment of the present cash credit status and debt management program, followed by an assimilation of the external factors affecting the problem. Based upon the stated studies and comprehensive research exercises, the debt counselling service UK, offers the clarifications to understand complications and also suggest viable routes to solve the present issues and prevent any such inconsistencies in times to come.

The Benefits of Referring to a Debt Counselling Service Provider:
An insight to current financial position, that enhances the possibilities of careful re-organization, is desperately required. As is the understanding the available financial tools and strategies that can be best utilized to improve the overall wealth graph and thus carefully avoid debt problems.
The benefits include:

Existing expense heads can be reorganized with the assistance of a debt counselling service provider to ensure better loan terms and improved earning / spending ratio.
Debt counselling service providers, operate within the preview of UK laws, in this reference are highly confidential and therefore accompany minimal chances of repercussions due to undesired publicity of debt problems.
Creditor harassment can be better dealt with a debt counselling service assistant to suggest definite ways of debt management and countering debt problems.
Wealth planning is possible with debt counselling service. Debt counselling can pave not only the exit path from debt problems, but can also lead way to ensure better spending terms and thus wealth management in times to come.
Evacuate stress out of your life and guarantee a better, Free State of mind. This will invariable happen, if the above stated are successfully achieved.

A Typical Debt Counselling Service Provider Should Answer These Questions:

What would be the realistic budget, keeping in forefront the family size and member’s requirements?
What would be a practical financial plan, that could help maintain a decent lifestyle within budget?
What are the various money saving and thus investment tips as an overall debt strategy?

Begin the search of a qualified debt counselling service agent UK right away and thus deal with all debt problems. However, while conducting the search and selecting an appropriate partner, please be wary of various unqualified, inexperienced, supposed debt counseling experts. Only a seasoned professional, with sound knowledge, can help with debt counselling service.

Debt Counselling Services by Mike Kelley

Related Debt Counseling Articles

Question by dave t: Is there a legitimate website/Service to help repair bad credit?
I recently settled all my debts (many past due)
and would like to know if anyone
has had a good experience with any of the “credit repair” services

Best answer:

Answer by Andrea Nick
In recent months I’ve made much improvement in the way I was working to fix my bad credit report. I needed to repair the damage that I had on my report. Unless you’ve been there, you have no idea how much your credit can drop when you have financial troubles. Fortunately I found good information that has helped me improve my credit. My financial situation changed drastically some months back. When I got back on my feet, financially it was a relief but the damage had been done.

One of the ways I was able to fix my bad credit report and start to repair the image my credit report was giving was by disputing. You may read a lot about disputing online but not all of that information is effective. You have to understand the process the dispute goes through and a little about the laws that have been established to protect you.

Know better? Leave your own answer in the comments!

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What is a Good Credit Score ?

Is 700 a Good Credit Score? This is a common question what score is considered worthy of good rates and terms? Typically Scores range between 300 and 780. There are scores that get into the 800′s but you typically don’t get that high unless you are in your 50′s with low debt. There is a time factor in the calculations for having a score that high. You need to be around a while before it happens. You also need to have a excellent credit history with very little debt. So what are lenders looking for to consider your credit risk low? Here is the break down of what goes into the Credit Scoring process.

What goes into a score?

The basic credit scoring formula takes into account several factors from your credit report. The impact of each element fluctuates based on your own credit profile:

* Payment history ? A good record of on-time payments will help boost your credit score.

* Outstanding debt ? Balances above 50 percent of your credit limits will harm your credit. Aim for balances under 30 percent.

* Credit account history ? An established credit history makes you a less risky borrower. Think twice about closing old accounts before applying for a loan.

* Recent inquiries ? When a lender or business checks your credit, it causes a hard inquiry and a slight ding to your credit score. Apply for new credit in moderation. “Soft” inquiries such as pre-approved offers or checking your own credit score will not impact your score.

* Types of credit ? A healthy credit profile has a balanced mix of credit accounts and loans.

When creditors look at your credit report, you really should have at least a 660 credit score so you will not get gouged with high interest rates. Most lenders will charge higher rates when your scores are lower than a 660. You typically can get loans when you scores are lower, but your rate of interest will be higher. If you stay on top of you personal Credit Report you really should have a credit score of 720 or above. If you are not sure what your score is you really should get a copy of your Free Credit Score Report. So a Good Score is 660 or above. If you stay above that threshold you should be fine with just about any application With a 720 score you will typically get the best rates and terms. Good Luck.

Find More 660 Credit Scores Articles