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銀行口座が開けない…
- #1
-
- げろっぱ
- 2003/12/05 01:23
こないだしばらく日本に帰ってる間にチェッキングアカウントの残高がマイナスになっちゃって、気づかずに戻ってきたら口座がクローズされちゃってました。で、もっかいアカウント開けようと思ったんだけどChexSystemとかいうのに登録されててどこの銀行行ってもアカウント開けないんです。聞いたらそのシステムに名前が5年くらい載るらしく、その間はどこの銀行へ行ってもアカウント開けないとかで…困ってます。
新しいチェッキングアカウントを開く方法って誰かご存知の方はいませんか?
ちなみにマイナスになってた分はマネーオーダー送って既に払い込んであるのでバランスはゼロになってます。
- #2
-
- mioneko
- 2003/12/05 (Fri) 07:55
- Report
どなたか知り合いで銀行に顔のきく人がいたら一緒に行ってもらって支店長にかけあってもらったらいかがでしょう。条件を付けられるかもしれませんが開いてくれることもあります。Good Luck!
- #3
-
それって気をつけてください。
クレジットヒストリーが悪くなってると言うことです。よく効いたほうがいいです。信用問題になってきます。この国では、、、。
- #5
-
- 専門家
- 2003/12/07 (Sun) 10:47
- Report
沢山の方が勘違いしているのですが、ChexsytemとCredit Historyとは全く別のものです。ChexSystemに名前が載っていてもCreditには影響ありません。ChexSystemは何らかの方法で、銀行に損害を与えたために、レポートされるシステムです.こちらは詐欺罪が適用される事があります。Credit Historyが悪くなるということは、契約を交わして、借りたお金に対して約束の期限内に支払いを怠った為に発生する信用度のScore Systemです。従って両者は全く別なものです。
- #6
-
銀行に勤めている知人から聞いたのですが、あなたが引越しや、日本へ一時帰国などの際に、銀行からの郵便物送付住所をちゃんと伝える事が大事。世界中何所にでも送ってくれるし、残高はインターネットでだってチェックできます。もし伝えていたのであれば、その事を強く伝えるべきです。そして、何らかの条件付で、アカウントが開けるように交渉すればどうでしょうか。例えば、セービング・アカウントを開け、さらにCheckingの残高を$2000以下にしない等。ただ、交渉の際に何方かあなたの銀行に口座を持ち、信用の出来るAmerica人の方などについて来てもらった方が良いと思います。もう一度Tryしてみてはいかがですか?
- #7
-
chexsystemてcollectsystemの事???
これは銀行側がマイナス口座になったお金を返金してほしくて民間に依頼したからって事です。レターで3〜5回通知しても本人から何も返事が無い場合、法的処置をするのでその時に金融保証協会にあなたの名前が登録されてしまったという事なので、USで銀行口座は開けないでしょう。もちかしたらこちらの日系の銀行だったらまだ開けるかもしれませんが。。
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