I tried to purchase something off of Amazon.com using my checking account and I was denied. Apparently I'm inTelecheck The only thing I can think of is maybe I bounced a check before I moved from FL to NJ. I've done it quite a few times by mistake over the years - but I always pay. My question.. I'm getting a NJ license tomorrow. Will I have any problems writing checks or using Amazon (or anything for that matter) with my new NJ license? Since Telecheck only has my FL license on file? Also...since I gave Amazon my checking account number I'm guessing Telecheck has it on file now...so I would probably have to use a different account number...maybe a different address? (Family) I'm not trying to get out of paying something I owe. If I do owe it I will pay it. I'm waiting for my report to come in the mail before I get all upset. Bottom line is: I need to order something from Amazon using my checking account and also have it delivered by new years day. I don't have a debit card for this particular checking account at the moment, I reported it lost - new one is in the mail. I don't have time to wait for this to get cleared up. Any suggestions or clues as to if this will work? I need to get a NJ license anyway - so I figured I might as well get one tomorrow. Any advice would be appreciated.
This is one reason to always have a credit card for emergencies. I don't know if they somehow link to your SSN or not. A new account and a new DL may do it. But you may have trouble opening a new checking account if you're in Telecheck. Do you have a relative who would let you give them the cash and they'd use their checking account or credit card number?
There are several banks around who have what they call "second chance" programs - opening new accounts for folks who have a Chexsystems or Telecheck history. One of these banks is US Bank. On the other hand - with banks failing left and right these days a bank that might give you a new account today might go under next week and possibly be eaten up by a bank that does discriminate against folks on Chexsystems and Telecheck.
Telecheck is who you need to order the report from. Once you satisfy the check that bounced, you should have no problem writing a check. As long as you are not in ChexSystems, you should have no problem accessing a new account, but it will still prohibit you from writing a check. AMG Consulting Group Inc.
Telecheck has two processes; some stores run just the license, others have a machine that reads both the license and routing/account numbers from the bottom of the check. Paying Telecheck generally clears your record. Since you were declined, they are required by the FCRA to provide your file information. Also, the FCRA allows you to get a free annual report from Telecheck, Chexsystems - or any other business that collects and sells consumer banking and/or checking writing information.
