How to Get off ChexSystems

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Finding non ChexSystems banks is becoming harder and harder. A few banks use other services like Tele-check, so getting a guaranteed approval seemed almost impossible. After some searching, a reasonable solution;
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How to get off ChexSystems

Why pay a service to send a letter to get removed from ChexSystems?

Free step by step instructions on how to get your name removed from the ChexSystems list.

The first step is to contact ChexSystems and obtain a copy of your ChexSystems report.

Request a copy of your report in by writing directly to ChexSystems at the following address:

ChexSystems Customer Service
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
Fax: (972) 241-4772
Local (972) 280-8585

ChexSystems toll free phone numbers

(800) 428-9623 or (800) 513-7125

Online visit chexhelp.com to order a copy of your ChexSystems report.

This will allow you to find out what caused you to be placed on the Chex system. This will also give you a Consumer ID number.

Follow the instructions on the official ChexSystems website. You will most likely need to provide your name, addresses for the last five years, social security number, drivers license or state identification card, date of being declined for a checking account, and financial institution.

If the information on the ChexSystems report is not an accurate representation of the facts use the following information to resolve a dispute.

Follow up letter 1:

Inform ChexSystems that you have reviewed your report and are unaware or disagree with a negative listing (if you dispute it). Ask ChexSystems to verify the information on the ChexSystems report. You might also ask for copies of any documentation ChexSystems has regarding the disputed listing.

At the same time ask to have the information deleted from the file associated with your social security number. This could be your only letter you need to get the deletion from ChexSystems you requested.

How to get off ChexSystems continued:

You should to include on every letter to ChexSystems:

Your name (printed not signed)
Your Current Address
Your Social Security Number
Your Consumer ID number (listed on the ChexSystems report)
Your bank’s name
The negative listing you are disputing and the date it allegedly occurred

KEEP COPIES OF ALL LETTERS YOU SEND! YOU MAY WANT TO SEND THEM CERTIFIED MAIL RETURN RECEIPT REQUESTED!

Follow up letter 2:
If your dispute was verified yet inaccurate

Inform ChexSystems that you wish to have a description of the procedure used to determine that the information they sent you was valid. Request a listing of the names, addresses and telephone numbers of the people they contacted at the listing bank.

If identify fraud is involved, file a police report. Contact the listing bank and forward a copy of the police report.

I was informed that mentioning to any credit bureau that you are aware of Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995) may help. You will want to request that they respond to your letter in 30 days (may vary by state).

If your letter has been responded to in 30 days and was verified accurate.

If you legitimately owe the money, pay it. Some banks will accept people for checking accounts once the debt listed on ChexSystems has been resolved. If the debt is resolved and you still can't get a checking account you could try a small claims action for the costs of cashing checks and buying money orders. No promises! Ask an attorney or legal aid society in your state about the specifics in your case before you do!

If your letter has not been responded to within 30 days

Checkout the FTC website for specific information on non complying credit bureaus. Federal Trade Commission Home

Once ChexSystems has removed the negative listing (s)

As soon as you receive a notice from ChexSystems that your account has been cleared open several checking accounts. It is possible that ChexSystems, OR ANY OTHER CREDIT BUREAU, will allow a disputed claim to creep back on to your report. You will want to have a checking account opened by then. Some banks check chexsystems or review new checking accounts with ChexSystems within the first 30 days of an account being opened. You would not want to take the chance of your new bank account being closed

If the date of a listing from a credit agency is incorrect

The FTC won a Civil Penalty against a collection agency for violation of the FCRA.
Include a copy of this article in your letter to the agency. NCO Group to Pay Largest FCRA Civil Penalty to Date

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