Telecheck Links

Credit Report Scores - Who Determines Them?

There are three major credit reporting agencies: , , and .

Each of these credit reporting agencies receives information from credit grantors such as credit card companies, stores granting credit, mortgage companies, and banks. They compile your credit history and compute your credit report scores.

They provide your history and credit report scores to others who have a genuine interest in your credit worthiness.

TeleCheck System

TeleCheck helps merchants reduce the risk of accepting bad checks.

Over 342,000 merchants use the TeleCheck system. Merchants reduce their risk by accepting checks from customers about whom the TeleCheck system has positive information (or at least no negative information).

If you are a consumer whose check was declined by a TeleCheck merchant you can improve your chances of having your check accepted in the future.

Every transaction that is declined by a TeleCheck merchant is given a "record number". The merchant should provide you with a courtesy card with this seven-digit record number.

You can help TeleCheck create a positive file about you. Provide the record number, your drivers license number, the banking numbers printed on your check, and your Social Security number to TeleCheck International.

Contact TeleCheck at 1-800-366-2425 for further details.

Trouble with TeleCheck?

If you are in trouble with ChexSystems or Telecheck and were denied the ability to open a new checking or savings account we can help! Here are a couple of ways:

Guaranteed Mastercard

Vaya Card is not a traditional credit card or a bank account. It's different. Since it's PREPAID, you load money on to your Vaya Card and then have the flexibility to spend the funds as you see fit.

Use it to shop online, travel or budget your expenses, all with the security of the MasterCard Zero Liability Policy. Additionally, Vaya Card gives you great tools like text message alerts sent right to your cell phone so you're always in control. Best of all, approval is guaranteed:*

• No Credit Check
• No Bank Account Required
• No Employment Verification Required
• No Minimum Balance Required

Vaya Card combines the strength of the MasterCard brand with cutting edge account management tools.

Vaya Card is accepted at millions of merchant locations worldwide and give you cash access at any ATM with the MasterCard® or Cirrus® brand. You can also use our online BillPay feature to automatically pay your bills each month.

Find Banks that Do Not Use ChexSystems

What You're About to Learn:
How to get a new checking account if you are currently listed in ChexSystems. We keep a freah updated list of over 100+ FDIC Insured Banks nationwide that have been known to give checking accounts to people in ChexSystems, complete with contact information. Many have online applications and offer Visa Check Cards and/or ATM Cards.

Show me the Non-ChexSystem Banks now.

Credit Report Scores - How to See Them

Each of the three credit reporting agencies can provide you with a one-time copy of your credit report. Equifax, Experian, for example, will provide your report online for a fee of $9. Trans Union charges from $7.50 to $9 for your credit report.

All three credit reporting agencies will also provide a one-time copy of a "3-in-1" credit report. This contains your credit reports and your credit report scores from all three reporting agencies. Trans Union charges $34.95 while Equifax and Experian each charge $39.95.

Credit Report Scores - Improving Then

A good score helps you get the best loans. The loan officer will be glad to see you because you will:

• Qualify for a larger loan
• Get a loan faster
• Get the best interest rates.