Banking

Follow our Step By Step Proven Process to Restore your Banking Priviledges.

Understand How Consumer Reporting Agencies Report your Financial & Banking History

Learn How to Decipher Your Consumer Report

Utilize our straight forward process to Restore your Banking Priviledges

BONUS! 6 Actual Client Cases from Beginning to End included!

Consumer Reporting Agencies are governed by the Fair Credit Reporting Act (FCRA) enforced by the Federal Trade Commission (FTC) and as with any other Consumer Credit Reporting Agency, you have the right to dispute negative information contained in your Consumer Reports.

Main reasons for filing disputes: Identity Theft, Bank Reporting Errors, inaccurate information being reported about you.

Consumer Reporting Agencies contain information pertaining to the mishandling of bank accounts such as:

• Non-Sufficient Funds
• Overdrafts
• Account Abuse
• ATM Abuse
• Fraud
• Suspected Fraud
  
  
  

Non-Sufficient Funds– When there are not enough funds to cover pending transactions and the Bank account is closed with a negative balance and reported to the Credit Reporting Agencies.

Overdrafts– Charges in excess of the current balance of the account. Bank account goes negative and is closed and subsequently reported to Credit Reporting Agencies.

Account Abuse – History of bounced checks resulting with the closure of the Bank account even if no money is owed.  Bank account is then reported to Credit Reporting Agencies.

ATM Abuse– Incidents which result in using empty envelopes to falsely deposit funds which don’t exist. Bank account is closed and reported to Credit Reporting Agencies.

Fraud– Knowingly depositing fake checks attempting to withdraw funds which are non-existent. Bank account is closed, reported to Credit Reporting Agencies and potentially law enforcement. Also reference Check Kiting.

Suspected Fraud– Incident where victim receives a check from third party as payment in good faith; however, the check is fraudulent. The bank closes the account damaging the client/bank relationship and reports them to Credit Reporting Agencies.

To find out the reason why your were denied a bank account: Order Your ChexSystems Report

Your Consumer Report will be mailed to you in 5 days!

Restore your Banking Priviledges in as little as 30 days!