So I tried opening an account. I set the country to Canada, put in my SSN, then added the US and entered my tax ID. I sent over all the screenshots and got rejected the next day because apparently Chime isn't available in my region. Looks like you can't just pretend you live in another country to get around it anymore.
Sure, the main issue lies with the parent bank, but my point was this: if they cut off or restricted credit products, their system automatically flags you in the Republican Party database. Once that happens, you’re basically blacklisted from getting any kind of loan at any other bank in the country. I’m a total mess with my Republican Party standing, yet I still have my overdraft and credit lines perfectly intact. 😉
That’s rough... If they pulled the plug, it’s not some minor glitch. It means things have gone south. Once a debt hits the credit bureau, the automated systems just shut everything down instantly. You could try calling them up—assuming you know how much you owe and when it happened—to see if they'll let you work out a payment plan, but honestly? Don't hold your breath.
Just hit up whatever bank you use. JPMorgan Chase is a bit of a snail when it comes to this stuff. You end up waiting on their data privacy officer to pass the request along to HROK. 😵🤦
Quick question: how long does it actually take to get a report once you file a formal request? I turned mine in Wednesday afternoon and I’m still waiting.
Blacklists are a thing of the past. Now we have this information exchange system where it just logs if there was some messy business during a specific window, and once it's recorded, you're stuck with it. Since that debt period only lasted a few months without anyone filing a lawsuit, I'm betting the banks won't even give it a second look after a year has passed. Google doesn't have any say in these reports; they're strictly handled by the member banks.
If your available credit went up, it means the money hit the card. Your monthly payments will still show up, but they’ll just be covered by that credit, so you don't actually have to pay anything out of pocket. You could always swing by JPMorgan Chase to officially close out that installment plan if you want.
It’s pretty obvious. Sure, the status will show as closed, but you won't actually see the impact on your repayment schedule for another four years after the closing date. Honestly, just head down to your local Chase branch and ask them for a formal statement.
They can't see a thing unless you give them the green light. No consent, no credit products... 😉
crimsoncyclist8 said:So, does that mean banks can only tell if you're a deadbeat, but if you've got, say, three different loans out there and you're paying them all on time, they're completely in the dark? Sorry, I'm just trying to wrap my head around how the plumbing works here.
The standard background check only flags your defaults, but the credit bureaus see everything—they track all your current debts plus anything you've already paid off, whether you're an individual or a business.