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Canadians with Interac E-Transfer like "What the fuck is wrong with you people" (lemmy.world)

submitted 2 days ago by Stamets@lemmy.world to c/whitepeopletwitter@sh.itjust.works

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[–] Canonical_Warlock@lemmy.dbzer0.com 8 points 2 days ago (1 children)

It's not really credit score it's a seperate system. Basically if you ever default on a bank account then you wind up in the CHEX system and you're basically fucked for a long time when it comes to opening bank accounts. Defaulting on a bank account will put you in the CHEX system and ruin your credit score but a bad credit score alone won't put you in the CHEX system.

My mom did it in the past where she had a bank account go severely negative due to predatory overdraft fees and she abandoned the account rather than paying it. 5 years later she still couldn't open a regular checking account anywhere without having someone cosign on it.

[–] Fredselfish@lemmy.world 2 points 2 days ago

Dude I default on a ton of banks and overdrafted like 1200 out of Avast. Even wrote hot checks in my youth ( but I quickly paid them off) I still have had no issues getting a checking account. I have three different accounts with 3 banks.

So I don't know how fuck your credit needs to be but guess I haven't hit that low yet.