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Bad Credit Checking Account

If you are stuck in chexsystems or have bad credit and have been denied a bank account, our company can help you. Right now you are being offered a unique opportunity. You are Guaranteed a brand new bank account within minutes. Second Chance Checking Account offer!

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Second Chance Checking Account for people with Poor Credit & Want a Checkbook an exclusive offer only here at badcreditchecking.com. Where else are you going to find a Free Bank Account, Free Application, Guaranteed Approval and the opportunity to upgrade your account with a Checkbook while in Chexsystems?

 

 

 

Perfect bank account for those who have been denied a bank account with their bank due to past credit problems.

The first 2 offers above are FDIC Insured Bank Accounts for those with poor credit, bad credit, telecheck or chexsystems denied.

 

 

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Non Chexsystems Banks

What are non chexsystems banks? Well, these are the banks that supposedly do not use chexsystems. We get requests
      all the time for these banks.  We do not know if they are true or not, but we have them listed here for you anyways.  We
      hope that you will consider getting a guaranteed bank account through our bank first before applying to a bank not knowing
      if they are going to approve you or not.

Our bank saves you any embarrassment of being declined a new bank account. Our bank guarantees you are approved for a
       new bank account regardless of bad credit or chexsystems. 

 

Who uses our bank account?

 

 

 

Bad Credit Help

The best way to fix bad credit is to take action by removing negative accounts from your credit report as well as adding positive accounts to your credit report. Both of these processes can take some time. The time to start fixing your bad credit is now, not on the day you are ready to apply for a loan. Depending on how bad your credit is, it can take as little as 1 or 2 months to fix and as much as 12 months to fix..... read more

 

Public records can include any number of items that are, exactly as it sounds, a matter of public record! Whilst much of your credit report is protected from prying eyes, certain missteps and mistakes are recorded and documented for general review by your neighbors, in-laws and co-workers. Court Judgments, Bankruptcies and Foreclosures ( among others) are some of the most severe and detrimental entries that can disgrace a consumers credit report. And while the credit report itself isn't available to be reviewed by just anyone, a trip to the local courthouse will reflect any of the above, on you - in your particular county. read more.....

Improving credit scores is not an exact science. Not all credit reports are created equal. Some have collection accounts, others have a bankruptcy filing, some have tax liens, some just have slow payments. Of course there are infinite possible scenarios for what is on your credit report. Making a difference on your history takes time and you have to do things correctly or you will likely face more time and more work to have your credit rebound. It will rebound, but it will take longer. Here are some solutions to solving some of the negative items on credit accounts. read more....

 

How do people get bad credit? 
       
  • Auto Repossession
  • Delinquent Credit Cards
  • Law Suits-Judgments
  • Collection Accounts
  • Bankruptcy
  • Foreclosure
  • Unpaid medical bills
  • Chexsystems
  • Liens
  • Late Payments
  • Collections
 

Credit Repair Tips

Ok, so you've decided to repair your credit. You've got your reports in front of you, a highlighter pen and lots of coffee, but just aren't sure what to do next, right? That's the exact same place I was when I first tried to raise MY credit score years back, and for all of my good intentions and well thought out planning, I must have sat at my kitchen table for two hours just wondering what to do first! Well, fear not, I'm going to give you three quick tips for speed, efficiency and smarts when filing your first dispute. Ready? Let's get to work!

1)Do NOT dispute every negative, questionable, or derogatory item on your report the first time out. Credit repair is a process, not a one shot fix. This is the biggest rookie mistake that most credit repair newbies make on their first try out of the gate. Why? Well, think about it for a minute. If you've got 9 negative items on your report and you claim all 9 are wrong, what do you think the person looking at your dispute is going to think? Exactly. They know you are doing credit repair - and will be far less likely to process your dispute properly on the grounds of it being a frivolous dispute. The Fair Credit Reporting act gives you the right to dispute negative items on your report so we are in luck - the ONLY time a bureau doesn't have to comply with your request is when the dispute is considered "frivolous". So don't be. Think ahead and be strategic in when and how you dispute each item.

2) Save your best documentation for last. This one almost seems counter intuitive to most, but is one of the most highly effective techniques you can use. Why? Well - if you've got good documentation , most people are in such a rush to say -" I'm right, I'm right - look at proof!" that they blow their best weapon up front. Sure - if it's only that one item you are disputing - use it first. But most people are disputing many, or multiple items. If you've used your proof upfront - you can't re-use it for more items later. For an example - when the credit bureau returns your third dispute by saying - hey, we've covered this stuff already and we are not going to change it - that is when you hit them with your documentation! Because there is only one thing the bureaus fear from you: And that is the few and far between people who they REALLY are reporting inaccurately on. So they are afraid of these people when they enter the dispute funnel. Why? Well, t hey don't want to be sued, and lose! The people who have successfully sued the major bureaus ( and won huge settlements) all tried to have stuff removed using normal channels, and only resorted to suing when they couldn't get resolution. If they think you may be one of those people, they WILL giddy up and go on your next dispute!

 

2)Do not ramble on and on about the reasons you were late, or why something may be wrong on your report. Be short, succinct and clear. Less here, is far more. You are obliged only to state that you are disputing the item and briefly, why. Do not exhale out a long winded diatribe about your girlfriend and your credit card in 2002 and how she ended up stealing your cat too. It always amazes me how much uneccessary detail people feel they need to provide when typing out a request for investigation into a negative item. Brevity is very important here -and not only is the baseline requirement, it should also be the accepted practice! Put it down on paper, and get on with it. One sentence and wrap it up. And don't' worry, you'll have plenty of time later to elaborate if need be.

With these three simple tips on your side, I'm hoping you avoid some of the toe stubbing, foot in the mouth syndrome, shoot yourself in the foot issues that so many people ( including me! ) suffered when preparing our first credit disputes. Learn from our mistakes - your credit score will thank you!

 

Fix Bad Credit

The best way to fix bad credit is to take action by removing negative accounts from your credit report as well as adding positive accounts to your credit report. Both of these processes can take some time. The time to start fixing your bad credit is now, not on the day you are ready to apply for a loan. Depending on how bad your credit is, it can take as little as 1 or 2 months to fix and as much as 12 months to fix.

First, you want to know exactly where you stand. You will need to pull your credit reports and know your credit scores. You can get a copy of your credit reports for free once every year, but it costs a little bit to know your scores (unless a banker or mortgage broker is willing to give you a copy for your credit report for free after applying for a loan.)

Once you know where you stand, you will need to analyze your credit reports and find out what is helping and what is hurting your scores. It may take awhile, but it's worth it to learn how to read a credit report. Once you figure out what is hurting your credit, you will want to dispute the accounts with each of the credit bureaus reporting them. It is legal for you to dispute the account even if it is yours. You obviously don't ever want to lie to the credit bureaus, so if you know the account is yours, do NOT dispute it as "not mine".

The burden of proof is on the credit bureaus. All you need to say is something along the lines of "Please provide documentation that the following accounts belong on my credit report; otherwise please delete this damaging data immediately." It is then up to the credit bureaus to contact the creditors to verify that all of the information they are reporting about you is correct. Fortunately for you, most creditors keep horrible records and can not verify that the accounts even belong to you. In this case, by law, the accounts must be deleted immediately.

That is one of the best ways to get accounts removed from your credit report but, that is only half of how to fix your credit. The other half is adding positive accounts. I would suggest applying for a few secured credit cards or visiting your local credit union or bank and asking them if they have a credit card with a low limit that can help you rebuild your credit. There are also many other ways to build credit. Make sure to always ask if what you apply for will appear on your credit reports. You want to get credit for paying your bills on time.

Remove Judgment from Credit Report

When it comes to removing difficult, negative items from your credit report, one of the very first things you need to pay attention to is the public record section. This will almost always be the first set of records displayed, and no - it's not ordinarily used to showcase your bevy of commendable public accomplishments.

Public records can include any number of items that are, exactly as it sounds, a matter of public record! Whilst much of your credit report is protected from prying eyes, certain missteps and mistakes are recorded and documented for general review by your neighbors, in-laws and co-workers. Court Judgments, Bankruptcies and Foreclosures ( among others) are some of the most severe and detrimental entries that can disgrace a consumers credit report. And while the credit report itself isn't available to be reviewed by just anyone, a trip to the local courthouse will reflect any of the above, on you - in your particular county.

Now, while not a rosy picture at all, there is some good news to share as well! Judgments are oftentimes some of the easiest things to remove from your report. Why? Well, the general nature of the credit repair process involves expeditiousness, or speed in process. And we all know that the courts move like molasses. The general overview is, if you dispute a public record item , the agency needs to contact the court house in writing, and have the derogatory listing verified as accurate, or it has to come off of your report. While getting better with this over the last few years due to technology, for the most part, judgments can and are removed from tens of thousands of reports every year simply due to the expiration of time allotted to investigate the item. ( This is generally accepted to be 30 days)

Even if your particular record is verified by the court - you have PLENTY of options, either with, or without the assistance of professional legal counsel. You can challenge the legality of service, ie - how you were served the court papers way back when, you can file a motion to vacate the judgment using any number of legal predicates, and maybe even most powerfully for many, you can offer a settlement to the JC or judicial collector. This simply amounts to paying off all, a portion or even a fraction of the amount owed in return for a markdown in the severity of the item on your credit report. While this may sound difficult to do, it is not, is done everyday, and quite frankly - the JC just wants the money anyway, they have no vested interest in your FICO score..:-)

Any number of the above methods will work if you put them into action. If you have a judicial Judgment, you very simply need to learn the various ways and means that you can attack it. Education is Power!

 

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