How Can I open a checking account when my husband ruined my credit?

my sson to be EX husband wrote bounced checks and opened different acc'ts in 7 different banks. Two of which were in his and my name also. Now the banks closed the acc'ts and WE owe money to them..How can "I" open one, most banks do a credit check on you so I will show up as BAD.|||Most Banks (about 80%) will also run a Chexsystems report in addition to a credit report, and if a record shows up in your name they will not open an account for you for a period of five years. When something like this happens, you can dispute it by contacting chexsystems but… that doesn’t guarantee they will let you off the hook.





1st step is: to contact Chexsystems and get a copy of your record, then take your time and prepare a well thought out explanation of what happened to get you into this situation (remember to document everything) unfortunately everybody sings the same song “it wasn’t my fault” BE DIFFERENT back up your story with proof and documentation act professional not emotional.





2nd : Getting a reversal may take a long time and it’s easy to end up at check cashing stores and paying huge fees just to get your check cashed, and driving all over town to pay your bills or buying expensive money orders, because you don’t have a checking account… not to mention it can be unsafe to carry large amounts of cash on you.





To avoid all of this, open a bank account with a prepaid debit card, be sure to get one that offers FREE direct deposits so your paycheck can be deposited to your MasterCard or Visa and you can pay bills and get cash at ATM’s while your disputing your Chexsystems record and fixing your banking troubles.|||IF you were a legitimately liable for the accounts, and the overdrafts actually occurred, Chexsystems will investigate and NOT change the records. If you were not legitimately liable, you MUST file an FRAUD report and the bank will correct Chexsystems without your contacting them.

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|||They most likely will not let you have a bank account again. Try putting your money on one of those pre paid visa debit cards if you dont want to carry cash around. That is most likely your only alternative.|||You can open a checking account easily if have direct deposit of your paycheck from your employer. Either way, you should be able to open a checking account without good credit, but you may not be eligible for the free checking options and you may be subject to minimum balances. Try speaking to a credit union or other community banks. They are usually more personal when it comes to certain circumstances.|||i thinking a pre paid visa card..|||Try Washington Mutual. I had a bad ex husband too at one time and Washington Mutual let me open up a checking account.





Good luck and don't continue to let him bring you down.|||I would write out a formal letter explaining your credit and take it in to the bank. Sit down with a personal banker and explain your situation to them. Some banks are forgiving enough to listen to you. The one that is, cares anough about your business to have you as a customer. But make sure to treat the account like gold because after you screw it up and can't blame it on your husband you will be SOL.|||Your best shot is to go to somebody like Bank of America or one of the on-line credit card companies and open a secured credit card account. You post $250 or more (up to around $5,000 I believe) and that is you credit limit. After some time of exposure some of the entities (B of A) will give you your deposit back and give you an unsecured account and allow you to open a checking account. You don't need a checking account though if you have a credit card. Look on the Internet for "secured credit cards" and watch out for absurd interest rates ( 19%-24%) pick carefully there are some with reasonable rates (14%)|||As mentioned, try Washington Mutual or Commerce Bank. Lately to get an edge on competition the banking industry is opening up banking for everyone, making it less exclusive. Good luck.|||They don't do credit check.. They check the "check system" it shows up whether other banks closed your account due to bad banking history.. Your first step is to pay back whatever you owe on the closed accounts. but make sure you receive a letter stating that you paid them off in full... then take the letter to the other bank.. you will still come up on "check system" but they may allow you to open the account if they see the letter showing you paid back what you owed. Up to Bank manage or Supervisor.|||If your name was only on 2 of the accounts, the other 5 have NO impact on your credit. If HE opened accounts in YOUR name without your signature, he committed FRAUD and YOU are not liable. In that case, you need to file a police report and contact the fraud department of the banks in question. Once you demonstrate you did not open or use the accounts, your credit is clear. If you actually signed for the 2 accounts in both names, you will probably have to pay those banks to clear your credit.