HOW TO ERRONEOUS INFO OFF CHEXSYSTEMS?
If you feel that you are erroneous listed with ChexSystems, you will need to take the steps to get yourself removed. There are a multitude of companies that offer to help you with the removal process...for a fee of course! Why pay if you don't have to? We offer free information below that will assist you in getting your name removed from the ChexSystems database. If you have any questions regarding, please contact us.
Step 1 - The first thing you will need to do is get in touch with ChexSystems and request a copy of your ChexSystems report. You are entitled to a free copy annually.
The easiest way to get your report is to visit
their website and obtain it online,
here. You will need to provide them with your name, SSN, drivers
license or state ID card and the addresses of the last five places
you lived. Or you can contact them them via the information below.
Obtaining your report will enable to you view what the cause is for
you being placed in their system. In addition, you will also obtain
your 'Consumer ID' number.
Step 2 - Write a dispute letter (see a sample dispute letter) to let ChexSystems know that you have gone over your report and that you are disputing the negative listing that they have on file for you. Request for them to verify the information and for them to send you copies of all documentation they have.
In this same letter, request for them to delete
all of the information they have on file that is associated with
your SSN. It is possible that this initial letter will be all that
you need to have ChexSystems fulfill your request for this deletion.
**It is very important that you retain copies
of every letter that you send. It is also a good idea to send all of
your correspondence to ChexSystems via certified mail with delivery
Step 4 - If ChexSystems has verified
your information as accurate and you owe money, pay it. It is very
common for banks to grant consumers checking accounts as soon the
debt being reported by ChexSystems is settled. If you pay the debt
and you are still unable to obtain a checking account you can either
wait it out until the your ChexSystems account is clear (takes five
years for negative info to be removed) or you can try opening an
account with a different bank. Not all banks utilize ChexSystems and
others have different courses of action that they use when
determining whether or not to grant accounts.