Regarding joint checking account

[mdatnguyen 4]

I know it’s important to show commingling of financials but the only thing that my wife and I don’t have together is a joint banking account. We have joint credit cards & taxes BUT my wife had her identity stolen and used to open bank accounts so now she’s basically blacklisted to be on my account . We have been working through the process to get her name cleared so she can be on my checking account but it’s taking longer than expected. What can I do ? Should I get a letter from my bank saying my wife is not eligible to be on a checking account? We’ve tried with a few different banks to open a joint account but none within open in her name until things are cleared with her identity. 

[Crazy Cat 41,981]

Don't worry about what you DON'T have at this point.  I would concentrate on what I DO have.......A letter from your bank stating "she is not eligible......." would not accomplish anything, in my opinion........others might disagree.

 

6 minutes ago, mdatnguyen said:

BUT my wife had her identity stolen and used to open bank accounts so now she’s basically blacklisted to be on my account .

This seems strange to me......I see no reason you can't open a new joint account somewhere else if you want to.....

[mdatnguyen 4]

10 minutes ago, missileman said:

Don't worry about what you DON'T have at this point.  I would concentrate on what I DO have.......A letter from your bank stating "she is not eligible......." would not accomplish anything, in my opinion........others might disagree.

 

This seems strange to me......I see no reason you can't open a new joint account somewhere else if you want to.....

We’ve tried. The person who stole her identity basically cashed fraud checks and it affected her credit. So when you open a checking account they run your social security number . We have disputed and legally working with credit repair experts to clear her name. 

[Sukie 1,464]

As part of your cover letter, add a paragraph stating exactly what you have said above.  You do not have a joint checking account because.......

 

Then send in what you DO have.

 

You should be fine.  Many married couples do not have joint accounts.

 

Sukie in NY