Credit Talk USA Worldwide LIVE Did you know banks’have secret watchdog is Watching You

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Have you ever been turned down for a checking account? While denials are more common when applying for credit, you can also be declined when applying for a bank account. If you have been declined, it’s likely due to a reporting agency that many have never heard of, but who has a lot of information about and influence over banking customers. It’s called ChexSystems.
Information reported by banks to ChexSystems typically stays in the system for five years. Items are only removed before the expiration of the five year period if the reporting financial institution requests the item to be removed or applicable law requires ChexSystems to remove the derogatory item
http://www.doughroller.net/banking/chexsystems-banks-secret-watchdog-watching/

http://www.youtube.com/watch?v=50hUbuA54Mc

Prepaid credit cards may soon have protection for all

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Reloadable prepaid payment cards may soon have the same safeguards against fraud, hidden fees and losses that currently protect debit card users from abuses.
The federal Consumer Financial Protection Bureau (CFPB) today announced it will begin accepting public comments on potential new consumer protections for reloadable prepaid cards. It's the first step in drafting federal rules to regulate the increasingly popular cards, which allow users to load funds onto them and make online and in-store purchases just as they would with a debit card or credit card. When available funds are depleted, the cards can be reloaded again.
Consumer groups have long warned that prepaid cards are chock-full of fees and carry no mandatory protections if cards are lost, stolen or used by unauthorized parties. To make matters worse, many celebrities -- the Kardashian sisters and money adviser Suze Orman, most recently -- have lent their names to prepaid cards to lure potential buyers only to draw fire from consumer advocates.
http://www.creditcards.com/credit-card-news/prepaid_card-protections-cfpb-1282.php


http://www.youtube.com/watch?v=HQII5-VaLIE
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