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Discussion in 'Credit Talk' started by Jason2004, Nov 22, 2016.
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Checking accounts aren't reported to the CRAs Jason. That is, unless you overdraw your account and let it eventually go into collections. Then it could end up on your credit reports. Is that what you're currently dealing with?
No, I didn’t overdraw my checking account.
Are they reporting checking account info to ChexSystems and Early Warning Services?
What happens when there is an address change for checking account?
Again, unless you are overdrawn, ChexSystems, etc. wouldn’t be reported to. Think of it this way, it costs them to report, they won't spend it if they don't have to.
BTW: ChexSystems and the lot are not CRAs, but specialty CRAs, there is a major difference between the two as far as the FCRA is concerned.
Ditto on what Jam said. And address changes for checking accounts aren't reported to CRAs.