PRLog - Jul. 10, 2013 - Consumers in the state of Florida that are using non conventional methods to cash their paychecks are throwing away money that they could otherwise use for much needed necessities or put away in savings for a rainy day or retirement.
Florida Second Chance Banks
Some of these Florida residents are unable to open a checking account with a bank or credit union because of past negative banking experiences that were reported to the Chexsystems. These consumers are then forced to use check cashing stores, retailers, and prepaid accounts.
A free consumer organization called "Bad Credit MD" is trying to inform these consumers in Florida about special programs called "second chance checking accounts" and "fresh start checking accounts" being offered by conventional banks and credit unions that were designed to help people with poor Chexsystems reports. These special checking accounts come with check writing privilages and a Visa or MasterCard debt card. The free organization "Bad Credit MD" has assembled a comprehensive list of these financial institutions offering these special checking account programs in Florida at http://www.badcreditmd.com/
ChexSystems is a consumer credit reporting agency like Equifax, Experian and TransUnion that provides data related to how a consumer has handled deposit accounts at banking institutions.
Consumers can order a free copy of their Chexsystems report and dispute any incorrect item of information in their consumer file by contacting Chex Systems Inc. at
Mail: Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
or at their on-line website at https://www.consumerdebit.com/
If the consumer's Chexsystems information is incorrect, the person must request that the bank (or other institution)
Office of Attorney General
State of Florida
The Capitol PL-01
Tallahassee, FL 32399-1050
Chex Systems, Inc. is a consumer-reporting agency that is governed by the federal Fair Credit Reporting Act (FCRA) and other laws. The Federal Trade Commission enforces the FCRA.
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
Bad Credit MD, is a free On-line consumer information guide that helps people with credit problems in the state of Florida in the cities of Jacksonville, Miami, Tampa, St. Petersburg, Hialeah, Orlando, Fort Lauderdale, Tallahassee, Pembroke Pines, Hollywood, Cape Coral, Port St. Lucie, Coral Springs, Clearwater, Gainesville, Miramar, Pompano Beach, Miami Gardens, West Palm Beach, Palm Bay, Sunrise, Spring Hill, Lakeland, Brandon, Miami Beach, Boca Raton, Plantation, Davie, Deltona, Town ‘n’
Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.