Posts by Raymond Brown10

Hemorrhoids can actually be a sign that your liver isn't running quite as clean as it should be ...of course, you’ve also got the usual suspects like a poor diet, drinking too much, or smoking—and even intense physical strain for athletes—but I really feel like doing a liver cleanse twice a year is just essential.

Does anyone have any advice? I'm currently in the middle of building a website to sell some e-books—it's coming along, but I've hit a bit of a snag with the payment setup. I need to get some payment banners live on the site, but apparently, I can't use PayPal because it only lets you send money, not actually receive it here (which... yeah, super smart, right?). I heard somewhere that Moneybookers works pretty well with Bank of America, so I gave them a call, but they had absolutely no clue what Moneybookers even was—honestly, for a major bank, they seemed a little out of the loop there. If anyone has a clever suggestion on how I should handle this, please let me know. Thanks in advance!

And honestly, it makes sense that all the banks are checking in with the FBI... some do it by the book, others maybe a bit more loosely... but I guess it’s just logical since nobody wants to deal with a high-risk client in their books.

The blacklist needs to be officially closed out—the client actually has to head down to the bank in person and sign off on everything to confirm it. Only then is the file technically marked as closed, but just so you know, that doesn't necessarily mean you've been cleared from the list yet

Once you finally get that blacklist status cleared, you’re technically off the hook—but it doesn't mean everything just magically resets to zero. You can start applying for credit again, sure, but it really comes down to your overall credit score and a whole mountain of other tiny details... plus, honestly, it depends heavily on which bank you're talking to.

Honestly, I don't think it’s going to work out... you might want to look into a different bank altogether. If you can't qualify as a co-signer at the Federal Reserve, then it probably means no other bank is going to take you on as one either—especially not places like JPMorgan Chase or Bank of America. They tend to be pretty strict about their requirements, so I wouldn't really recommend trying to push it there.

The Department of Corrections basically acts more like a bridge than a traditional loan—it’s really just meant to close the gap until you clear your credit report and get a standard bank loan approved.
Regarding the sales tax thing, you're right, but we also have credit unions out there to consider.

Does every single bank actually close off their blacklists? I mean, I don't know about this, but maybe you're living in some different reality... I guess you might be able to pull that off if you have some serious inside connection at the bank, but honestly, that has nothing to do with the actual contract between the bank and the broker. I'll give you credit if what you're saying is true, but I really doubt it.

lonecobra21 said:Does anyone know which banks aren't currently synced up with the FBI—meaning they can't see those blacklists? I’ve been flagged at Chase... need a small loan ASAP. I heard maybe PNC might be an option, but if anyone has any leads, please help... much appreciated

First off, you're kind of mixing up the FBI database with a credit blacklist—those aren't really the same thing. If you've got a blacklist status, you pretty much have to clear that up first. You'll need to get a formal confirmation from Chase showing you don't owe them anything anymore (you either settle the debt yourself or maybe take out a bridge loan through the Department of Corrections... though I guess that's a bit extreme)—only then will you actually be able to qualify for a standard bank loan. I hope that makes sense.🙂