ChexSystems report preventing me from opening a bank account. HELP!
Date: Tue, 12/09/2008 - 13:52
My Chexsystem report shows an account I had with US BANK before I filed for chapter 7. Although it doesn't say I owe any money on it (obviously since I filed for bankruptcy), but the reporting reason is showing up as "Account Abuse".
Do I need to contact chexsystem to remove this negative information if i want to open up a new bank account? Can I even remove it at all? How am I suppose to rebuild my credit if I can't even open up a bank account?
Open your account with a non-chexSystems bank or credit union. I
Open your account with a non-chexSystems bank or credit union. In general, an item remains for 5 years in a Chexsystems report.
If it's in accurate there should be something in the paperwork t
If it's in accurate there should be something in the paperwork that says you can dispute the information w/ Chex systems. If that doesn't work you can go through OCC since it's a national bank. You can find OCC link up in the stickies.
you will be able to find a place that will open an account for y
you will be able to find a place that will open an account for you. there is lots of banks and there's a website that's on the stickies that mca has made up - mca is also a member here and we are forever grateful for all the support and advice provided.
Bankruptcy will not remove you from chexsystems. Recently many h
Bankruptcy will not remove you from chexsystems. Recently many have been able to be removed by sending in letters requesting removal. Technically the bank can still report up to 5 years and they do not have to remove you. Yes, you can dispute based on the vague indicator of " account abuse"
Depending on where you live there are many bank and credit unions that do not use chexsystems and others that will allow those reported to open accounts.
Checksystems listing disputed fees I owe not actual checks
I am showing up on checkbsystems because of fees at the bank. I paid the checks. I am disputing the fees. How do I remove that? Any suggestions?
christinaM, i am sorry but it is pretty hard to be removed from
christinaM, i am sorry but it is pretty hard to be removed from the system, i know it's unfair :( there are links here to dispute but in the meantime, maybe look for a bank that does not do a chexsystems run?