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Until someone has had to go through the absolute horror of being reported to ChexSystems, it’s hard to realize how much of a pain it is to deal with. Of course, you’re unable to open a checking account in most institutions, so you can’t pay your bills with a check. You can’t pay online either because online bill pay requires a valid checking account. And since having a debit card is not an option, that means that you walk around with lots of cash. Let’s not even mention the part where your credit report is ruined because of it.