Recent content by ColinR

I understand that there is no protected right for me to open a checking account, but if faulty information has led to denial, then don't have a stronger recourse? But in knowing the FCRA I forced them to asses my situation, and my contract. I'm sure the FCRA in most ways is impotent, however...

Well unfortunately the way identity, credit and other personal data is collected and reported affects more than obtaining an Amex... Companies, schools and other non-lending institutions routinely check credit reports of applicants in a way to triangulate someones character, I guess.... What a...

If you challenge based on their lack of proof to any contract, would this mean that the debt is invalid and would that therefore mean any negative marks on your credit report would have to be removed?

Thanks for the reply.... I expected to read most of that, however, I know that with with credit and collection activity, consumers are semi-protected by such things as the Fair Credit Reporting Act. And I know that if you, the consumer, follow certain protocol in responding and dealing with...

Hey everyone, this is my first post, and actually this issue is the reason I joined the board, however I'm happy to be on here seeing all the helpful people and responses, what a great resource. So, quite some time ago Bank of America closed a checking account of mine because it had been in...