Before I was a developer I was poor and worked as a busboy and a dishwasher for several years. At one point I mismanaged my finances and completely destroyed m

Before I was a developer I was poor and worked as a busboy and a dishwasher for several years. At one point I mismanaged my finances and completely destroyed my credit score, as well as getting listed in chexsystems for overdrafting a bank account and not being able to pay them back for several months. To cash my paychecks (I got paid mostly in tips), I used a check cashing place or the grocery store. I did this because being listed in ChexSystems prevented me from opening a bank account. Once I became I developer I dug myself out of debt and then rebuilt my credit score. Eventually after waiting long enough I was able to get a checking account from a bank that used FICO scores instead of ChexSystems. The article is a bunch of crap. It reads just like that nickel and dimed book by Barbara Ehrenerich[sp]. How an academic cannot figure out that the reasons these poor people are giving for not having a bank account is false? There is one reason: they are listed in ChexSystems and can't get an account.