Comments on: ChexSystems Removal

By: john galloway

john galloway — Wed, 20 Jun 2012 18:55:45 +0000

I have been on chexsystems for five years; I would like to know if I have been removed from your system before I attempt to open a account at a local bank.Thank you,I look forward to hearing from you. John

By: disabled

disabled — Sun, 04 Mar 2012 04:38:19 +0000

Undeniably believe that which you stated. Your favorite justification seemed to be on the web the simplest thing to be aware of. I say to you, I certainly get irked while people think about worries that they plainly do not know about. You managed to hit the nail upon the top and also defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks

By: shawna

shawna — Wed, 01 Feb 2012 05:03:35 +0000

I was wondering, is it for sure that your name stays on for 5 years tops?

By: ashley

ashley — Sat, 03 Sep 2011 06:25:33 +0000

My husband opened an acct with keybank and i was an authorized user, so he overdrew his acct and when i went to my bank they told me they had no choice but to close my acct because keybank told them i owed the money since i was authorized. Is this true? And will i be able to open another bank account since it’s still unresolved?

By: admin

admin — Fri, 10 Jun 2011 17:04:40 +0000

Hi Diane,

Just to clarify – ChexAccount.com is not affiliated with ChexSystems so it would do you no good to ask us to remove your name from the ChexSystems database. And, to answer your question, no ChexSystems does not give second chances. They could care less about how you got reported. ChexSystems only acts as record-keepers. The bank that reported you is really the one in control.

You have 2 options you can try at this point. Start with option 1, then 2 if the first option isn’t successful.

1. Go down to the local branch of the bank that reported you and talk to the branch manager. Explain the situation to him/her and see if they would be willing to request the removal of your name from ChexSystems.

2. File a dispute with ChexSystems. The success rate for this one is low if your information is correctly reported to ChexSystems. Here’s a guide on how to file a dispute: http://www.chexaccount.com/chexsystems-dispute/

By: Diane

Diane — Fri, 10 Jun 2011 05:52:10 +0000

Dear Sir or Madam,

My bank account became overdrawn at a time when I became disabled and did not have sufficient income to settle the outstanding amount. I am willing to send you documentation to corroborate this. I accept responsiblity for this however, I had to choose between using my welfare cheque to pay the rent to have a roof over my head or settle my debt with you.

Nobody should ever have to make that choice. As soon as I had the funds available to discharge my outstanding debt to you, I did so. I am not asking for a prize for doing the right thing, but I am asking for your kindness and consideration in view of my circumstances. The amount has been paid since October last year and I just found out that I will be in your database for five years. Does ChexSystems offer a second chance on an individual basis? What can I do to be removed from your website? I would appreciate your input. Thank you.

Best regards,

Diane