Second Chance Checking Accounts In Texas

Aug. 1, 2013 - PRLog -- Having negative information on one's Chexsystems file can prevent a consumer from opening a conventional checking or saving account at a bank or credit union.

A person's Chexsystems report usually contains banking irregularities such as  unsatisfied balances, check overdrafts, suspicious account handling, and fraudulent check deposits, that other banks have reported in the past five years.

Chexsystems was successfully deemed a consumer reporting agency in 1999, and is governed by the Fair Credit Reporting Act.

Under the Fair and Accurate Credit Transaction Act consumers are entitled to a free copy of their consumer report, at their request, once every 12 months.

The free consumer organization "Bad Credit MD" has created a listing of banks and credit unions in texas that offer "second chance checking accounts" for those with negative information listed on their Chexsystems file. This information is located on their website at http://www.badcreditmd.com/second-chance-checking-account/ along with information on how they can obtain a free copy of their Chexsystems file.

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Bad Credit MD, is a free On-line consumer information guide that helps people living in Texas with credit problems in the cites of Houston San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, Mesquite, McKinney, McAllen, Killeen, Waco, Carrollton, Frisco, Beaumont, Abilene, Denton, Midland, Round Rock, Wichita Falls, Odessa, Richardson, Lewisville, Tyler, College Station, San Angelo, Pearland, Allen, League City, Sugar Land, Longview, Mission, Edinburg, Bryan, Baytown, Pharr, Missouri City, Temple, Flower Mound, Harlingen.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.

Consumer Warning: The Federal Trade Commission, the nation’s consumer protection agency, wants consumers to know that counterfeit check scams are on the rise. Some fake checks look so real that bank tellers are reporting being fooled. The scammers use high quality printers and scanners to make the checks look real. Some of the checks contain authentic-looking watermarks. These counterfeit checks are printed with the names and addresses of legitimate financial institutions and even though the bank and account and routing numbers listed on a counterfeit check may be real, the check still can be a fake. These fakes come in many forms, from cashier’s checks and money orders to corporate and personal checks. More informaton on how to spot a fake check can be found at http://www.consumer.ftc.gov/articles/0159-fake-checks.