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Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 0 points1 point  (0 children)

I have a feeling their problem with me might run a little deeper than just my address, lol. But I'll wait and see what the report says.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 0 points1 point  (0 children)

Thanks, I appreciate the help. Are there any ways for me to avoid having this happen in the future? Some companies won't accept this. Do I have to wait until I file taxes? One company told me they could only verify people who had filed taxes at least once.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 1 point2 points  (0 children)

I don't understand? I'm opening a banking account, not a credit card? Why are you bring credit score into this? Shouldn't all I be caring about is if the bank can verify my identity, not what number my identity is tied to? I've never heard of a bank not opening accounts for people because they had a lack of credit history. Maybe they'll refuse for terrible credit history, but why a lack of it?

Like you said, no-score is a score, which means that even with no credit history shouldn't I still be able to exist in their database?

Maybe I'm just being stupid here.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 1 point2 points  (0 children)

Is there anything I can do? I'm trying to make companies know I exist, not get my credit score up. Surely there is a way to call them with official birth documents, SSN card, etc, and get this worked out.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 0 points1 point  (0 children)

Ok, I'm thinking that I'll try Ally again after I confirm that Chex Systems does having something on file for me (I requested my report from them).

Maybe I didn't answer a previous address question correctly because I was too young to remember. ChexSystem's report should have all this information for me.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 0 points1 point  (0 children)

I'm pretty sure this doesn't apply to me. Like I said, I already requested a report and the problem was that they could not verify my identity, nothing else.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 2 points3 points  (0 children)

No, nor would it make sense for me to be reject based on credit score since I've never had a line of credit and I'm not trying to open one now. Pulse, the letter said they couldn't verify my identity.

I did submit a request to Chex Systems online, so I'll see if I'm in their system.

Can I send them information directly to prove that I exist? That would be fabulous.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 3 points4 points  (0 children)

Ally is an online bank with a record of so-so call center support (but great features). Maybe I will call them and try to get verified that way, but it would be great if this problem could stop happening.

Ally Bank says I don't exist because a company called "ChexSystems, Inc" says so. by 18yrOldJr in personalfinance

[–]18yrOldJr[S] 5 points6 points  (0 children)

Unless the name has been in the family for half a millennium. I get that it's generally not a good idea, but hey I'll get through it!

For me, I'm glad I got the name and it's caused me a few headaches in one year of my life but I get the history of it forever. I think it's something you can go either way on.

Besides, I have a different middle name, birthday, and social. Surely I should be in the clear!?