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Personal Finance Information |
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Chex Systems - Why Every American Needs To Guard His Checking Account With His Life
Most Americans have been brought up to be concerned about a good personal credit rating, because of the role a positive rating can play in your long term plans; purchasing a home, buying a car, getting a business loan, etc. They have also been made to understand that the premier organizations that pretty much hold the key to their financial futures are Equifax, TransUnion and Experian. However, there is another organization operating "behind the scenes," that is recording information about a singular aspect of every American's financial life, that, if you're unfortunate enough to mishandle, can get you on their list of offenders, which will mean an almost immediate change in your quality of life. The name of this organization is Chex Systems, and the information they record is your banking history, specifically, your negative banking history. Negative banking history can mean many things, but typically the following are what the banks report, and what Chex Systems, records in its database:
Most people reported to Chex Systems, typically fall into one of the categories above, but it is still your duty to find out exactly what your bank deems as a reportable offense. If you're wondering what the penalty is for landing in Chex Systems, I'm about to tell you. You will be listed in their database for five years before your name is removed. You will not be able to find a bank willing open an account for you anywhere in the US, for at least the next five years. What does this mean in real terms? If this seems like a nightmare to you, it is. And what's worse, is that there are millions of Americans experience this every single day, without any relief in sight, for years to come. You can avoid this nightmare by being very diligent about how you handle your personal checking accounts by keeping a steady eye on them. With the onset of internet banking, most people have no excuse to not know what's going on with their accounts, as the information is minutes from their fingertips. Alvin Arthur owns http://www.second-chance-checking-account.com and for four years, has been helping people find banks that will give them a second chance at banking, even if they are still on Chex Systems. His business motto is, "You're Only 21 Days From Getting a New Bank Account And a New Life, Guaranteed!"
MORE RESOURCES: Warning: set_time_limit(): Cannot set time limit in safe mode in /home/www/dynamic/uv.ro/personal-finance.uv.ro/public_html/inc/rss.inc on line 8 The Retirement 'Rule of $1 More' Kiplinger Ramit Sethi Reveals A Misconception About Personal Finance: 'There's This Phrase That Drives Me Insane' Yahoo Finance What is a HENRY and are you one? The Detroit News These are the best places to retire in California, according to a new ranking San Francisco Chronicle Column | Five financial lies people should stop telling themselves The Washington Post Videos Make #Paydayroutines Everybody’s Business The New York Times WSJ taps Eisen as personal finance bureau chief Talking Biz News Small-city lawyer, 36, uses multiple corporations to save and invest money The Globe and Mail Personal Finance: FICO meets buy now, pay later Chattanooga Times Free Press New CE: Controlled substances, personal finance, & more American Veterinary Medical Association High schoolers will be required to learn personal finance if lawmakers pass bill Colorado Public Radio The Indie Personal Finance Bestseller List the American Booksellers Association Performing a Personal Financial Health Audit: How Is Your Financial Health? The White Coat Investor Best high-yield savings interest rates today, July 6, 2025 (best accounts offering 4.3% APY) Yahoo Finance HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same Yahoo Finance How Will Trump’s Big Bill Affect Your Wallet? The New York Times Bachelorette parties can now cost thousands to attend. Here’s how to keep the madness in check Toronto Star Teaching Personal Finance Through Stories Pays Off — With Interest Stanford Graduate School of Business Your kid is getting a ‘Trump account.’ Should you put your money in it? The Washington Post Ramit Sethi says you need these 9 'money milestones' before 40 if you want to be rich — how many have you hit? Yahoo Finance A California woman asked Suze Orman if she’d be responsible for her husband’s credit card debt Yahoo Finance Personal finance becomes the newest ‘adulting’ lesson for high-schoolers The Washington Post Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses? 24/7 Wall St. Best high-yield savings interest rates today, July 3, 2025 (top account pays 4.3% APY) Yahoo Finance Personal Finance: Social Security crisis looms Chattanooga Times Free Press HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged Yahoo Finance HELOC rates today, July 4, 2025: Holding steady as prospects dim for a summer interest rate cut Yahoo Finance CD rates today, July 4, 2025 Fortune Zikoko to spotlight Nigeria’s personal finance future Business News Nigeria Personal Finance for Students? Teachers Could Use It, Too Education Week Governors Prioritizing Financial Literacy National Governors Association Most high schoolers want to learn about personal finance. Pennsylvania will soon require it. CBS News BHS to implement mandatory personal finance class Brainerd Dispatch Want to save money and entertain the kids? Take them to the local library The Globe and Mail AB 2927: Pupil instruction: high school graduation requirements: personal finance. Digital Democracy | CalMatters 10 Simple Money Habits That Are Key To Building Wealth Investor's Business Daily Misplaced Millions? Lost Life Savings? Tell Us. The New York Times |
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