Bad Credit Happens to Even the Best of Us

I must admit, there have been times when I have bounced a check.

I've come into acceptance that along with realizing my responsibility to always pay my bills on time and budget until I can't budget no more, bad things can still happen to good people.

Whatever the reason that justifies the *why it happened* .... perhaps I should have made more of an effort to get to the bank before it closed, or maybe I should have post dated the check for when the money was already in the account instead of hoping the check wouldn't be cashed right away.... it is really an embarassing situation to be in and I don't have to be a repeat *check bouncer* offender to know that this is never good for my credit.

Or yours.

Even after the problem is dealt with, the bank still keeps an eye on your account... and guess what? When it comes to taking out that loan to buy a car, applying for a credit card with a $500 limit or opening another bank account, *big brother* of the savings and checking acounts world takes into account all of your negative activity to protect themselves from fraudulent claims. Once your name makes it into the ChexSystems list that is supplied to banks and other lenders, you might find it difficult to get credit of any kind.

What is not common knowledge, however, is that there are all across the United States that have been known to give accounts for checking, atm and credit cards to people that are listed in ChexSystems. Most offer online applications and approval as long as you have two valid forms of personal identification - a driver's license or state ID and a social insurance card.

This will give you a chance to rebuild your credit, establish a better working relationship with a bank, and hopefully, get your name off the ChexSystems list for good. Everyone deserves a second chance, so don't waste this opportunity to have a clean record.

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