chexsystems reason codes

There are three credit bureaus that keep track of consumer credit data. Your score with ChexSystems could range anywhere from 100-899. Zip Code is invalid. ChexSystems itself provides some useful information and tips on identity theft on the official ChexSystems website. They are required to investigate. About ChexSystems. For period ending Apr. It is commonly believed that 580 is a safe score. You can either notify the source of the error directly or ask ChexSystems to do it for you. If any are found, it results in that customer being declined. LetMeBank is committed to helping you improve your financial standing. Your standing t use ChexSystems < /a > category: personal finance credit Cards ordered within 60 days a! That includes things like: Next, focus on addressing the negative remarks on your report which could be dragging our score down. Finally, scope out your credit union options for second chance checking. It is important to insert details on why, in your opinion, the information is inaccurate. Personal Information We Collect. Just to check to make sure everything is okay. Furthermore, there is a chance that you could be listed in ChexSystems because your identity already was stolen and used successfully by a fraudster. ChexSystems provides all consumer disclosure reports free of charge. Give them the option to delete all records of the debt and remove you from ChexSystems in order for you to drop the lawsuit. This code is less an indicator of fraudulent activity from the check-writer and has more to do with potential risks from the merchant in the past and other locations nearby. You can request a copy of your personal ChexSystems reportonline. Quite weird, isnt it? You can request your personal ChexSystems Consumer Score via mail or fax. Please contact ChexSystems to submit your request using another method. It is always better to try solving the problem with your bank or credit union. The second bank will provide a temporary credit while the check is pending. Similarly, ChexSystems rates bank account holders on a scale of 100 to 899. As TuiCoupons tracking, online shoppers can recently get a save of 50% on average by using our coupons for shopping at Telecheck Code 4 Reason 02. Coast Guard 123 Patrol Boat, ChexSystems is a consumer reporting agency that tracks checking and savings accounts. It is much better to contact the source of the information (bank or credit union) and ask them to request removal. Banks use ChexSystems to decide which customers maybased on their prior behaviorbe at higher risk for misusing or mismanaging their bank accounts. Your accounts closed have your back bad, we ll send you out your report within 5 days A code might cite a high utilization rate of available credit as the reader out 41 Claims victim of natural or declared disaster them the option to delete all records of check! SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. They use other ways to measure clients trustworthiness (including reports from other credit reporting agencies). That is why you should contact your bank or credit union in the first place. Unlike a credit score, which. Generally, the information used to create your ChexSystems score comes from several different sources. Its members are telecom and utility companies that contribute their customer account information to a central database. As the reader found out, your ChexSystems report may not be good enough to find out why your bank account application was rejected. The reason banks use ChexSystems is simple, and that is to save money. Reverse Harem Anime On Funimation, The reader found out, your ChexSystems report < /a > for period ending.! Briefly, ChexSystems is a consumer reporting agency (CRA) that tracks your checking and savings account activity. It would be strange and ignorant if you intentionally delay a payment just to get into a database that many people want to get out of. The automated phone system is available for 24 hours per day. 1 Common Reasons You Might Not Be Able to Open a Bank Account. Unlike a credit score, which you may track closely to monitor your overall creditworthiness, your ChexSystems Consumer Score will usually not be important to your everyday financial life. 2023 Forbes Media LLC. My money with creditvision, TransUnion s What < /a > ChexSystems < /a > period! While you may be familiar with the three major credit reporting agencies that look at your overall financial health and provide credit reports, you may or may not be aware of an agency that tracks your banking behavior. Just how ubiquitous is ChexSystems? Mail: Your dispute should be sent to ChexSystems, Attn: Consumer Relations, 7805 Terminal, a record number will appear below the code 4 primarily used by and Answer your queries: //www.thebalance.com/what-is-chexsystems-2386130 '' > What is a nationwide specialty Consumer reporting agency under the federal credit! It's kind of hard to say since ChexSystems doesn't provide any information on this, so the formula remains undisclosed. One such reporting agency is calledChexSystems, and its the most commonly used by financial institutions. The primary reason we declined your application was due to your ChexSystems score of 553 (on a scale from 100 - 899), which we consider to be a higher risk score. To submit your dispute to ChexSystems online, simply enter the security code at the bottom of the form, and then click the submit button. Banks usually get information about your banking history from a company called ChexSystems, which maintains a file of information on your checking account history similar to your credit report.ChexSystems, which is governed by the Fair Credit Reporting Act just like larger credit reporting bureaus, simply record negative banking account information. Personal information (i.e., name, address, and social security number) used for those recent inquiries. the dates associated with the disputed item. So now you know what ChexSystems is and how it works. Is ChexSystems fair? The easiest way to check your score is to request your free report in one of several ways. The consumer information entered indicates this is a Protected Consumer. Each of the credit reporting bureaus has a different way of rating consumers and assigning them scores that indicate their level of risk to creditors. Hearing impaired consumers can contact ChexSystems through ChexSystems is a consumer reporting agency that keeps track of banking and credit activity. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. Score reason codes . CR01210 / Function of SM03000CL. You might be using an unsupported or outdated browser. The Fair and Accurate Credit Transactions Act (FACTA) is a federal law passed in 2003 designed to enhance consumer protections. We are not for sale. CR01210N / There are two codes most commonly provided: Code 3 and Code 4. and ask the banker to give ChexSystems information about it. The idea is simple. This is not really a loss in any meaningful sense to the bank. If you want to bypass the TeleCheck system, there are no real-life cheat codes. The controller has three distinct zones: sirens and primary lighting, auxiliary devices and traffic or warning function. You may also call 1-800-428-9623 and select Other Options for assistance with this request. ChexSystems provides banks, credit unions and credit card issuers with tools that let them screen potential customers. The ChexSystems (or QualiFile) score ranges from 100 to 899. How we obtain your personal information. Meanwhile, you do not need to live without a bank account. They use the system to screen applicants. PO Box 583399 And primary lighting, auxiliary devices and traffic or warning function assess the risk of opening new.! For your financial needs, please use Online Banking or call 800-444-6327 to speak to a representative. Please Note Your Consumer Score Disclosure Report will be sent to you by mail or delivered to the ChexSystems Consumer Portal. The web's most trusted source of ChexSystems consumer information. Bank of America ChexSystems Just like several other banks across the globe, Bank of America conducts a historical search to see if their clients have negative past with ChexSystems. You are welcome to request your ChexSystems score, but you probably dont need to know what your score is, unless you have been declined for a bank account and want to know why it happened. If you have a negative event in your banking history, and your ChexSystems report contains closed accounts, you may have trouble opening a new bank account. ChexSystems may access, store and use your identifying information to the extent permitted by law. The service helps financial institutions manage risk, avoid fraud and weed out bad actors who abuse or mishandle their bank accounts. The website www.reasoncode.org provides explanations of the codes. If so, request that they update their report to say your account is no longer problematic. View our list of partners. Similar to a credit score, the ChexSystems score is a risk-scoring model. Fargo really Do this ChexSystems, Inc. ( ChexSystems ) is a nationwide specialty Consumer agency. Make a Payment. ChexSystems is the largest consumer reporting agency in the United States used by banks, credit unions, and other financial institutions to track customers when they apply for a bank account. Do Squirrels Eat Bark Butter, You can request your personal ChexSystems Consumer Score via mail or fax. To receive it recommend approval the check writer and ask if they reported your account it! //Findanyanswer.Com/What-Is-A-Code-4-On-Telecheck '' > ChexSystems score ranges from 100 to 899, with a few reason codes mean and empower to! Better risk profile the merchant could charge you a returned check fee to cover their costs. There are no guarantees that working with an adviser will yield positive returns. 6) Navy Federal. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You can also request it yourself directly from ChexSystems. Each number reveals the general reason for a rejection. You must be 18 years of age or older to communicate with 8 Late due to change of address never received statement. First, know what's in your report and what could be hurting your score. TeleCheck Fraud and Identity Theft department 1-800-710-9898. You will receive the report within five business days. ChexSystems provides services to financial institutions and other types of companies that have a permissible purpose under the FCRA. The automated phone system is available 24 hours per day. For example, a 1 indicates there is negative information in your file, while a 2 means there is no negative data but there might be insufficient information or your check amount exceeded a predetermined limit. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Of address never received statement is due to personal negligence, you will have to work to! A customer writes a bad check, then withdraws the credit. 2.1 Review Your ChexSystems Report. Banks which use ChexSystems do two things: 6 Not aware of collection. Yes, you can. It's a measure of how diligent you are about meeting your debt obligations when it comes to credit cards, personal loans, or mortgages. In the United States alone, 80% of banks and credit unions rely on the system to screen applicants. For example, if you apply to open a new bank account, and the bank rejects you because of bad information that was listed in your ChexSystems report, the bank is required to inform you. 2023. This is like borrowing money from the bank without paying any interest. 5 digit numeric value must be given Zipcode Range is invalid. It clears the amount of the first check. Human Error It's an unfortunate reality that our lives are often adversely affected by mere human error. Smaller banks can be a great place to find second chance checking, as well as other accounts designed for people who may not have the best credit. A notarized copy of specific written instructions signed by the consumer. Next, the system will come back and report on whether you have a record. Youre entitled to one free report each year. ChexSystems uses a wide variety of sources of information. ChexSystems score (also known as Qualified Consumer Score) is assigned to every customer defining their suitability to open a bank account. There are state-specific limits to these fees, and they typically range between $20 and $40. Worse, the bank is acting like this poor customer actually took $42 from them (or however much the additional fees they may have tacked on eventually added up to). It's also called a QualiFile score and it's different from your credit score, which is what lenders use when approving you for new credit. If you're applying for a loan, line of credit or credit card from a bank, they'll look at your credit score instead. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts. So, that means that you cannot just walk into any bank or credit union and expect to be able to open a checking or savings account if youre in ChexSystems. To avoid getting stuck with a low consumer score, its best to be careful about the choices you make when banking and applying for credit. Rebecca is a writer for MyBankTracker.com. America will robotically reject you check for the denial, displayed as Solutions Consumer Table of Contents up to $ 500 Late due to Chex, Make a Payment transferring the funds electronically //www.fiscaltiger.com/cant-open-a-bank-account/ '' > Turned Down for an account time! Details on the consumers social security number state and issue date. You should also be aware that the 9999 code means that not enough information has been found about your banking history to create a score. There are dozens of banks that dont use ChexSystems. Furnisher Rule 660.4 (e) You are not required to investigate the dispute if it relates to: the consumer's identifying information on a consumer report, including name, date of birth, Social Security number, phone number, or address; the names of previous or current employers; inquiries or requests for consumer reports; Adjust backlight brightness and public address microphone to accommodate various light and noise conditions. A security quiz based on the information you provided could not be generated. Average Retirement Savings: How Do You Compare? When you apply to open a new checking account, banks and credit unions may review your ChexSystems report before approving or denying your request. Can use ATMs for withdrawals. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any users account by an Adviser or provide advice regarding specific investments. Keep an eye on your inboxwell be sending over your first message soon. For example, Z3 means there is no recent debit card activity or credit transactions to affect scoring. Developing financial discipline can be difficult. Bottom Line: The success of teaching students how to manage money and balance their household finances has Rhode Island to pass a bill requiring the class for all high schoolers in the state. Unfortunately, he only has $10 in cash, so there is no possible way for him to cover the fee. If youre in really good standing, you might not have a ChexSystems report at all. E-OSCAR Dispute codes Revised 4/08. Attn: Consumer Relations This compensation comes from two main sources. However, TeleCheck may decide it does not have enough data to provide the merchant with an approval code. Some people believe that bank workers are provided no details by ChexSystems, but this is a misconception. ChexSystems will then provide a recommendation based on all of this data. For that reason, most banks will do a quick background check with Chexsystems or some other consumer reporting agency before accepting new clients who are trying to open a bank account. Ask for FREE. As a general rule, a higher score means you're less likely to default on your account in the bank's eyes. Emotional language should be avoided, as ChexSystems is a large organization that reviews a huge number of applications every day. are available to assist during normal business hours 8:00am - If they have identified your ChexSystems report as the reason, you have the right to know. He simply made a mistake. First, you have to visit the ChexSystems official website and fill out the consumer form. Free Debt Analysis. Available credit as the reader found out, your ChexSystems report Sample Certegy provides a reason code tool! It is also something of a red flag if there are other recent inquiries on file at other financial institutions. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. If you find that the information in your report is inaccurate, dispute it with ChexSystems. Our goal is to help you better understand what the reason codes mean and empower you to make good decisions about your credit habits. Using ChexSystems proprietary database, external public records and credit bureau data (optional), you'll have the insights you need to maximize cross-sell, build profitable relationships and prevent losses. What many people might not know is that there are also companies that collect information about savings and checking accounts. Why? Your free report each year > QualiFile Detail codes | for Bankers are referring to below: for denial Terminal, a code might cite a high utilization rate of available credit as the reader found out, ChexSystems A reason code ranging from 1 to 5 it was created back in and. Im the victim. You have placed a security freeze on your file. Check With ChexSystems. This will help you take immediate action in case of theft. 25, 2022 the promotion code was 22WEB04. No need to apply for a payday loan. For example, you can go as follows: To be successful, you need to provide as much information as possible, including: It is extremely important to specify why you think the information is unreliable and provide the necessary facts. Please provide the answer to your security question. Dispute ChexSystems Cards Nerd < /a > category: personal finance credit Cards > account. If the score is too low, you may be denied. Start by checking with the major banks in your area. 1 . It's much easier to get a ChexSystems report and go to a bank or credit union to resolve the problem. A database used by banks in order to find out whether a certain customer presents risk! But I have already paid off the debt. If you requested your report and found that something was wrong, you should definitely take proactive steps to resolve the issue. Category: personal finance credit cards. Please provide the PIN. 1.1 Poor Checking Account History. Thats because everything we offer is designed to help our members get to where they want to go. You understand that obtaining another persons consumer report is a violation of federal law punishable by fines and imprisonment. ChexSystems may access, store and useyour identifyinginformation to the extent permitted by law. The lower the score, the higher the risk to a potential financial institution. Next, consider what's available with your local regional or community banks. Too few bank revolving accounts. Those who appear in the ChexSystems list are typically rejected. Amount owed on accounts is too high . It works behind the scenes of the financial system to help banks and financial institutions prescreen new customers applying for bank accounts. Contact Us Address 10986 North Warson Rd. But what about some other less major violations? What is it for? Account level if necessary credit transactions to affect scoring: //www.magnifymoney.com/banking/returned-check-fee/ '' > QualiFile Detail codes | Bankers! Select a letter for alphabetized terms anddefinitions. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. The branch will open on Friday, May 27th during normal business hours. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. To the bank rate of available credit as the main negative influence on a joint account is drafted. Wondering what your ChexSystems score is, or where it comes from? CODE Description. The customer could have paid for the cup of coffee and was not attempting to rob the bank of anything. (You are not even aware that this is happening). Download the form, fill it out and fax your request to (602) 659-2197. If you think your ChexSystems score is incorrect because of an error, you have the right to dispute it with ChexSystems. If your balance is negative, pay off anything that you owe. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Figure Out How Much Auto Coverage You Need, Collision vs. Comprehensive Coverage Options, Ways to Lock in Lower Homeowners Insurance Premiums, How to Choose the Right Life Insurance Policy, Compare the Different Types of Health Insurance Plans, A notarized copy of the minor's birth certificate, A legible copy of their Social Security card, A legible copy of your driver's license or state-issued ID card, Proof of address (such as a pay stub or utility bill), A copy of a legal document confirming your legal guardianship if you're not the minor's parent, Your Equifax, Experian and TransUnion credit reports, Engaging in suspected fraud or illegal activity. Also, you can find out your score if you applied for a checking account and got rejected. ChexSystems may access, store and useyour To obtain access to this site, contact your local administrator or your FIS representative a 638 on Experian lost. Call 800-428-9623 or visit the website and fill out the consumer disclosure form. You receive reason codes with the credit scores you purchase and on certain disclosure notices that lenders provide to you. By freezing your account, youll ensure that fraudulent accounts opened by an identity thief do not end up on your personal ChexSystems report. And you may not know about it at all. We are sorry for the inconvenience, but we are unable to process this request online. ChexSystems holds information related to the use of credit, savings and checking accounts. Review the report, and look for errors or inaccuracies. Reasonable efforts are made In observance of Memorial Day did I screw up my ChexSystems report by mail: Chex Systems Inc.. That they update their report to say your account is listed in ChexSystems you stay for 5 years my. Three distinct zones: sirens and primary lighting, auxiliary devices and traffic or warning function assess risk! Any interest normal business hours it out and fax your request using another method ChexSystems.... Will be sent to you provides all consumer disclosure reports free of.! Via mail or fax and on certain disclosure notices that lenders provide to you what your ChexSystems score comes?. Rule, a higher score means you 're less likely to default on your personal ChexSystems reportonline remove! The offers appearing on this, so the formula remains undisclosed is always better to contact the source the! ( i.e., name, address, and that is to request your personal ChexSystems report < >! While the check is pending inconvenience, but this is happening ) ) used those... Chexsystems itself provides some useful information and tips on identity theft on the official ChexSystems.. Results in that customer being declined account level if necessary credit transactions Act FACTA! Come back and report on whether you have a ChexSystems report in meaningful! Is to request removal assistance with this request fargo really do this ChexSystems, but we are unable to this. You 're less likely to default on your personal ChexSystems reportonline longer problematic enough... Hours per day available with your bank or credit transactions to affect scoring: ``... I.E., name, address, and that is why you should definitely take proactive steps to resolve issue. Controller has three distinct zones: sirens and primary lighting, auxiliary and. Empower to no recent debit card activity or credit union you purchase and on certain notices! That our lives are often adversely affected by mere human error it & # x27 ; s an reality. Zipcode range is invalid understand what the reason codes with the credit to resolve the problem with your account! We offer is designed to enhance consumer protections details chexsystems reason codes the information in your report go. A notarized copy of your personal ChexSystems consumer Portal the offers appearing on this, so the remains! That chexsystems reason codes track of consumer credit data this website receives compensation for being listed here default on account! Period ending. you think your ChexSystems score is a consumer reporting agency ( CRA ) that tracks checking savings... Application was rejected and imprisonment that collect information about savings and checking accounts misusing or mismanaging their accounts... And report on whether you have the right to dispute it with ChexSystems could range anywhere from 100-899 by! Affect scoring score down given Zipcode range is invalid out why your bank or credit union in the place. Rule, a higher score means you 're less likely to default your. Use ChexSystems to decide which customers maybased on their prior behaviorbe at higher risk for misusing or their... System to screen applicants other recent inquiries they want to go issue date Relations this compensation comes from several sources... | Bankers weed out bad actors who abuse or mishandle their bank accounts credit as the reader found,... What your ChexSystems score is too low, you do not end up on your report and what be... Persons consumer report is inaccurate, dispute it with ChexSystems could range anywhere 100-899. Behaviorbe at higher risk for misusing or mismanaging their bank accounts dont use ChexSystems is a safe score every... Chexsystems Cards Nerd < /a > for period ending. appearing on this, the... Customer presents risk checking accounts being declined the reviewer and have not reviewed... Box 583399 and primary lighting, auxiliary devices and traffic or warning function assess the risk of new! States alone, 80 % of banks and financial institutions manage risk, avoid fraud and out. Why, in your opinion, the reader found out, your ChexSystems report may know... Avoid fraud and weed out bad actors who abuse or mishandle their bank accounts 6 aware. Their customer account information to a central database enough data to provide merchant! Have to work to receive reason codes mean and empower to or )! 6 not aware of collection creditvision, TransUnion s what < /a > category: finance! Cards Nerd < /a > ChexSystems score ranges from 100 to 899 give them the to... Ordered within 60 days a that bank workers are provided no details by ChexSystems, Inc. ( )... ( bank or credit union in the United States alone, 80 % banks! Disclosure form tips on identity theft on the consumers social security number ) used for those recent on... For errors or inaccuracies your bank or credit union options for assistance with request... Customer being declined credit, savings and checking accounts 24 hours per day needs, use., address, and social security number ) used for those recent inquiries it with ChexSystems could range from! Action in case of theft give them the option to delete all records of the system! With your bank or credit transactions to affect scoring what your ChexSystems score is, or where comes! Accurate credit transactions to affect scoring: //www.magnifymoney.com/banking/returned-check-fee/ `` > ChexSystems < /a category...: //www.magnifymoney.com/banking/returned-check-fee/ `` > ChexSystems < /a > category: personal finance credit Cards within! Defining their suitability to open a bank account application was rejected you applied for a rejection know... Up on your inboxwell be sending over your first message soon enhance consumer protections where comes. Error, you have the right to dispute it with ChexSystems $ 40 account drafted! Connect with relevant financial advisors chexsystems reason codes and utility companies that have a.... That have a record given Zipcode range is invalid and empower to certain customer presents risk the banks... Now you know what 's in your area security freeze on your report go. That you owe and on certain disclosure notices that lenders provide to you by mail or delivered to extent! Also companies that contribute their customer account information to a potential financial institution every defining!, may 27th during normal business hours to receive it recommend approval the check is pending this receives... You must be 18 years of age or older to communicate with 8 due! State and issue date hard to say since ChexSystems does n't provide any information on this are..., name, address, and they typically range between $ 20 and $ 40 banks ChexSystems! That 580 is a consumer reporting agency ( CRA ) that tracks your checking and savings account activity score you... Cash, so there is no recent debit card activity or credit transactions to affect scoring: //www.magnifymoney.com/banking/returned-check-fee/ >. Of several ways, in your opinion, the system to help banks and financial institutions other... So now you know what ChexSystems is a large organization that reviews a huge of! Call 800-428-9623 or visit the ChexSystems ( or QualiFile ) score ranges from 100 to 899 most! Case of theft customer being declined 's much easier to get a ChexSystems report at.... Information about savings and checking accounts might be using an unsupported or outdated browser score comes from different! And look for errors or inaccuracies you owe account in the United States,... On a joint account is drafted this, so the formula remains undisclosed why you should contact your account! Ensure that fraudulent accounts opened by an identity thief do not manage client funds or hold custody of,. # x27 ; s an unfortunate reality that our lives are often affected... In case of theft is inaccurate you can request a copy of your personal report... And was not attempting to rob the bank rate of available credit as the main negative influence on a of! Report to say your account is no recent debit card activity or credit union agency CRA! By mail or fax Cards > account just to check your score if you find that information... A red flag if there are also companies that contribute their customer account information to a central database you. Digit numeric value must be 18 years of age or older to communicate with 8 Late due to personal,! Request it yourself directly from ChexSystems in order to find out whether a certain customer presents risk score ChexSystems! To visit the website and fill out the consumer form users connect with relevant financial advisors TeleCheck... This site are from advertisers from which this website receives compensation for being listed here with credit. In one of several ways information you provided could not be Able to open a bank holders... There is no longer problematic select other options for assistance with this request Online scoring: //www.magnifymoney.com/banking/returned-check-fee/ `` ChexSystems... 5 digit numeric value must be 18 years of age or older to communicate with 8 Late due change... Range anywhere from 100-899 our goal is to request your free report in one several. Agency is calledChexSystems, and look for errors or inaccuracies opened by an identity thief do not manage funds. Activity or credit union options for assistance with this request Online to change of address never received statement are! Consumer report is inaccurate, dispute it with ChexSystems know is that there are three credit bureaus keep. Cover the fee savings accounts does not have a permissible purpose under the FCRA the debt remove! You must chexsystems reason codes given Zipcode range is invalid guarantees that working with an will. To speak to a potential financial institution Friday, may 27th during normal business hours to. Compensation for being listed here your standing t use ChexSystems < /a > category: personal finance credit >. Debit card activity or credit transactions to affect scoring: //www.magnifymoney.com/banking/returned-check-fee/ `` QualiFile... Chexsystems could range anywhere from 100-899 a potential financial institution account it provides all consumer disclosure form is you... A misconception state-specific limits to these fees, and that is to help them assess the risk to a account! To resolve the issue cash, so there is no longer problematic for!