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Discussion in 'Credit Talk' started by Tom, Mar 29, 2001.
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You might want to check some of the check verification companies like SCAN - http://www.scanassist.com/
I know there are a couple of others but can't remember them off the top of my head (Telechex?). You might have been reported to them. This means that anytime you go to write a check at a place that uses these companies to verify their checks, your check will be declined! They will give you a little note to call the 800 listed. Then they will instruct you on how to pay the balance so that you can continue writing checks without any problems.
The only time I EVER write checks are for half of my bills, kid's school stuff, etc. The other half of my bills I pay over the internet. I can't even remember the last time I wrote a check to a merchant like Macy's, grocery store, etc. I always use credit or my visa check card.
The other is called Telecheck. But if you've been writing checks in stores, they probably didn't report it. If you know who you sent the check to that was returned, and you want to pay them, just look them up and send it to them, with you account number on it of course. Be sure to send M.O or certified check...they probably won't accept your personal one.
I have since then got an other acct and have been writing checks but i have just wanted to pay the business.
The two big players in the check authorization world are Telecheck (red and white logo) and Telecredit (the blue "Welcome Check" logo). BTW Telecredit is run by Equifax and I think is just called Equifax Check Services (ECS).
If you've been writing checks at merchants who use either of these with no problems then you may have not been reported. OR you have been reported but you have slipped through the screening system: Both companies can authorize checks based on either your state issued ID/DL or based on your bank routing and account number. So if the places you go to run your check through the MICR reader and as you say it's a new account, well then there is no negative info on that account and it will go through.
Dont forget Telecheck and SCAN report to CHEXSYSTEMS.
Btw writing a check on a closed account, is a misdermeanor in most states (over $500 felony). Don't be suprised someday, you get pulled over and have a warrant for your arrest and go straight in the slammer.
Not sure what the SOL on filing charges is..
I have no warrants thank you very much. The account was losed after I had written checks due to some stolen check when my car was broke in to. So you should get the whole story before making statements as such. I never said that I didn't want to pay them I was looking to find out how. Since I have been writing chks since the incident occured and the retailer hasn't contacted me regarding the issue.