It depends on who the garnisment order is against and how it is written. A joint account where only one person is the debtor can be garnished under certain circumstances. The difficulty in figuring out your situation, is not knowing where you reside. Each state legislates its own laws for garnishment of wages and bank accounts. If you live in a community property state, such as CA. and have a joint marital bank account, it can be garnished.
Checking accounts are not normally reflected on a credit report.
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No credit reports only report debt not assets. Checking and saving account information does not appear on credit reports so will not affect your credit score.
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"As far as I can tell, second chance checking does not offer any savings accounts. They strictly provide checking accounts to individuals with less that perfect credit histories."
No, opening a checking account does not negatively impact your credit score. Checking accounts are not reported to credit bureaus, so they do not affect your credit score in any way.
Opening a checking account typically does not have a direct impact on your credit score. Checking accounts are not reported to credit bureaus, so they do not affect your credit score positively or negatively.
One method of checking accounts for bad credit is to do a credit check on the required company. One would need a couple of their creditors to call and verify payment history and missed payments. Many companies who offer credit to clients often check accounts in this matter.
Credit scores have nothing to do with checking accounts. Unless you've had major overdraft issues with a previous checking account you will have no problems opening a new one.