Requesting a Chex Systems Report

[switch625]

I requested a Chex Systems report last week, got it in the mail this week it came back clean. I did have a negative unpaid checking acct balance with one bank from 11/13 until the acct was closed a few months later. I also filed Ch 13 in 11/2013 and the BK wasn't listed either.

[Romie]

This have worked for me as well.
I did not wait for my discharged....I faxed over a letter to Chexsystem requesting that all negative information on file for me to be removed along with a copy of my 341 metting letter. Then I waited 10 days. I then called Chexsystem advising I was following up to see if my BK documents was rec'd and if my file was updated. After several Id questions I was advised I have no record on file.
You do not have to wait for your BK DC papers...your 341 letter is fine as long as the Case number is visible.

[nosaint]

I just requested a copy of my report from chexsystems website. After I got it and read it, I had wrote a letter saying I was discharged chapt 7 bk on such date and asked nicely if they would remove my name from chexsystems because the account i am in csystems for was included in the BK...

I got a letter a few weeks later saying they verified the info and removed my name..

it was easy.

[jetsfan2010]

what dispute form/letter was used to get those removed off chexsystems?

[dirkdigler]

.

[jennordhavn]

So do I understand this correctly, if you have not had a problem with overdrafts, or check charges of any kind, you shouldn't have a problem with the cheksystems just because of the bankruptcy of credit card debt?

That is correct. It mainly only becomes a problem if you have bounced a check or had a bank account closed due to a negative balance or something of that nature.

[Migal]

So do I understand this correctly, if you have not had a problem with overdrafts, or check charges of any kind, you shouldn't have a problem with the cheksystems just because of the bankruptcy of credit card debt?

[Michigan1951]

I went to the site, applied for a report just a minute ago. Will arrive in less than 5 days.
I do believe that this system was used to determine our car insurance scores.......
Not sure on this, but I recall seeing it as part of the scoring reasoning explained on our car insurance renewals. hmmmmmm........

[Intoodeep80]

Amazing information and thread!

I opened a credit union checking acct a few months ago and was declined a 'regular' checking account because of filing bk and discharging an overdrafted checking account with my last credit union.

The new CU forced me into a "high risk" checking account where I paid $10 a month for a year to have the privelege of banking with them. After a year, the monthly charge is removed.

I just got off the phone with Chex Systems and am faxing my 341 notice, and discharge papers 'right now'.

THANK YOU SO MUCH for this information

[kvangild]

I followed this process and it worked great! Thanks for the advice and I now have a clean Chexsystems report!

[jennordhavn]

I would love to know the answer to your question myself.

I posted this in another thread but I'm re-posting it here hoping it helps someone else:

I mailed my dispute form and documentation on 3/24/09 and received a letter from Chex dated 4/2/09. It says:

"Dear ________

We are in receipt of your recent correspondence, which included a copy of a document indicating that bankruptcy has been filed which affects the following information.
[Lists 4 items (2 were duplicate entries), only 3 of which I disputed because one was sent after the date of my earlier Chex report so I didn't know it was on there, but it was also included in my BK]

Please be advised that based on the bankruptcy filing, the information above has been removed from your consumer file at ChexSystems."

WOO HOO. They didn't send a new report though, which I would like to see with my own two eyes........lol. I can't believe they even removed the fourth item that I didn't even dispute. They must have just looked at the date the bank reported it, which was a month after I filed. But I didn't even send them the page of the petition showing this item.

[tylalee]

So they'll just remove you due to the BK?

I requested a report and saw that Bank of America had reported me, due to "ACCOUNT ABUSE", since I had a payday loan company that kept trying to do transfers from an account of mine and BoA racked me up $1,500 worth of $32 NSF fees before the account got closed.

Since all my BoA accounts were on the BK, ChexSystem can get rid of that on my report?

I would love to know the answer to your question myself.

[zakaddy]

So they'll just remove you due to the BK?

I requested a report and saw that Bank of America had reported me, due to "ACCOUNT ABUSE", since I had a payday loan company that kept trying to do transfers from an account of mine and BoA racked me up $1,500 worth of $32 NSF fees before the account got closed.

Since all my BoA accounts were on the BK, ChexSystem can get rid of that on my report?

[CATCHMEIFYOUCAN]

When I went to open an account with CCCU online. The system denied me and stated I had something on the Chex System preventing me from opening an account. The weird thing was when I called CCCU the rep told me there wasn't anything and that I could open an account and she couldn't explain why the system did what it did. I had faxed over my Bk Discharge to the Chex System peoples before I had called the CCCU rep, so I'm assuming whatever was on their the Chex people cleared off right away - maybe thats why the CCCU rep didn't see anything odd??? I agree with CindyLynnSmith, its very fast!

Best to all, Catchmeifyoucan

[CindyLou]

you can request by phone. It comes VERY fast...2-3 days.