There exists a company that knows who you are. They have a database of over 300 million people and they’re keeping a watchful eye over your financial situation. They know of every bounced check and faulty bank account you have ever had and they’re talking to your bank about you. ChexSystems is a company that specializes in keeping track of bounced checks and unbalanced bank accounts. Through their network, they’ve learned of every instance when one of your checks has bounced. They have a very long memory—spanning at least forty years—and they are not likely to forget soon. Nearly every
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