They seem to have forgotten the first rule of customer service CUSTOMERS = REVENUE
And the second:
Customers tell more people about negative experiences than they do positive experiences.

Some education about Fair Credit(a big fat document) is needed here:

1st) Before they can access any of your reports they are to have written/signed authorizaion!
Doing so without your authorization is a violation of the act.

2nd) If a company violates the Fair Credit Act (for example by accessing your information without your authorization- YOU COULD BE ENTITLED TO a minimum of $100 and a maximum of $1000 plus punitive damages and reasonable attorney’s fees and costs for willful noncompliance with the Act.

3rd) According to a June 2004 survey conducted regarding credit reports, 79% of reports from credit reporting companies (like ChexSystems) have errors or mistakes.

4th) ChexSystems only gathers and reports negative information, there is no uniform standard for that information
and no scoring like FICO. Chexsystems has been critisized for unfair reporting practices and there have been calls for reform. The Greenlining Institute has published a report indicating wide disparities in the criteria banks were using when reporting negative items to a consumers ChexSystems report. ChexSystems has to give consumers 1 free report annually just like the other credit reporting agencies and they have to correct your report if errors/mistakes are found.

5th) Banks could use their own judgement, Greenlining Institure and Federal Reserve have been working on reform of Chexsystem and encouraging banks to be less dependent on it – What does that tell us, – Beginning in August 2000, the Greenlining Institute, a public policy center headquartered in San Francisco, and the Federal Reserve Bank of San Francisco held four meetings to discuss possible reform in the treatment of individuals reported to ChexSystems.
These meetings included a discussion of potential best practices which a financial institution could implement to reduce its dependence on ChexSystems data in its decision process on opening accounts.
Practices identified include: Training staff to use judgment to assess risk when opening accounts
Setting minimum limits to activate the use of ChexSystems
Considering the possible override of a customer denial for situations that are beyond the customer’s control etc

6th) Magic Valley Bank screwed up! Instead of sending you away frustrated they could have pointed out ways to correct
the problem, they could have called First Federal, they could have done an override so they could open an account and on and on with the could haves, and THEN THEY COULD HAVE HAD YOUR MONEY today and all the MILLIONS your business is going to make!
Instead OOPS, you went back to First Federal!

6th) WAY TO GO FIRST FEDERAL! I’m sharing this with Greg Edson! He’ll be glad to hear that his people are doing their part in the CUSTOMER SERVICE dpeartment, because after all, without customers where would any bank be!

I think that’s about all I can say that I can remember. I know that this a really outdated response, but I saw at Hastings a signup sheet for the MVLUG!! I was so excited…I hope it gets going again. It’s hard to learn gentoo via irc and forums lol.

If it makes you feel better I took the CCNA three times before I passed, one I failed by half a percent point.