My day at work was insane. It started out at 6AM with me being on the phone until 2PM dealing with nothing but problems. And then from 2PM to 5PM, I actually worked. I came home just in time to cook dinner for my friend with a pounding headache. We had a cocktail and a nice chat. After she left, I went and checked the mail. My headache came back with a vengeance and exploded.
Okay, just when I was ready to put my denial from Alliant Credit Union to rest I received a letter in the mail from them explaining why I got denied a checking/savings account with them. It’s not my credit like I thought. It’s some system called Chexsystems. My sister works at a bank and after speaking to her, she told me that apparently it is a system where financial institutions reports if you owe them money or are a serial person who bounces checks. I’ll be honest – this has me very freaked out. I don’t owe any financial institutions money on checking accounts and I don’t remember the last time I had an NSF fee. What’s more worrisome is that we just opened a checking account last year at a local credit union and it we were not denied a checking account. Furthermore, Mr and I have had a joint checking account since 1999 and he is NOT on Chexsystem. I can’t do much about it right now but I did call the number that Alliant gave me and (of course they are closed) ordered my report. I called Alliant again to talk to them about this and expressed my concern. The gal told me that they truly don’t get a copy of the report; all they receive is a yes or no to their inquiry on whether or not someone is in Chexsystem. She mentioned that it could be as simple as a different birthdate or ss#. Basically, I can’t speculate until I get that report in my hot little hands.
In other news, I looked at my credit report and it’s bad. I’ve been trolling www.creditboards.com & looking at how I can clean up all the incorrect items. Then I noticed something on my Equifax report. THERE WERE 2 SOCIAL SECURITY NUMBERS. One was correct and the other was incorrect. There was also wrong addresses and wrong names that aren’t even ME.
I have to be honest the Chexsystems and the incorrect credit information has me determined to be more on top of my finances. I went through all our papers and there is nothing in there that would show that I’m in collections to any banks. This is so frustrating and I can’t wait until that report comes in the mail and I can start disputing whatever is wrong. The good news is that Alliant will reconsider my membership if I clear up Chexsystem and fax them the proof. This actually renews my faith in them because they are willing to reconsider if there is an error. What a hassle!