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In Chex Systems? How To Get Off Chex System

Updated on December 24, 2011

Just imagine what it would feel like being completely rid of ChexSystems issues.  To accomplish this, one must first under exactly what the entity is and how it can affect you. ChexSystems is a consumer credit reporting agency and check confirmation system. While the three consumer credit reporting agency in the U.S., Experian, TransUnion, and Equifax, report information about how consumers handle their credit, Chex Systems reports information on how consumers handle bank accounts. Some banks are fairly tolerant about the information they provide to ChexSystems, but some are very strict.

The information gathered by ChexSystems may be erroneous, so it is possible that you could be denied banking services based on a mistake by a bank. Some analysts have estimated that 70% of ChexSystems reports have mistakes in them. Your name remains in the Chex Systems database for 5 years.

One major difference between Chex Systems and the credit bureaus is that Chex Systems doesn't calculate a score for each person in the database. They only report negative information about accounts, such as overdrafts. Consecuently, if Chex Systems has reported on you, negative information about you could very well keep you from being able to open a new checking account.

In 1999 ChexSystems was officially designated a consumer reporting agency, which meant it had to follow the Fair Credit Reporting Act. That means that once a year you are allowed to order a free copy of your Chex Systems report and dispute or demand proof about allegations that may show up in your report.

What if Your Name is on The List?

If you have ended up on the Chex Systems list, it is probably from checking overdrafts, depositing of fraudulent checks, or suspicious handling of your account. If Chex Systems has a report on you, it may mean that you'll be denied opening a bank account. Without basic banking services, you will need to make use of alternate services, such as check cashing businesses, which charge excessive fees to cash a check.

What Are Your Options?

Most people don't realize that it is possible to get your name off of Chex Systems, but it is! The initial thing you do is request your yearly copy of your Chex Systems report if there is one on you. Getting your name off Chex Systems isn't impossible, but it isn't easy, either.
Thankfully, The Guide to Get Off Chex Systems is a step-by-step guide to getting your name off of the Chex Systems records without waiting 5 years for accusations to be deleted from your record.

Chex Systems isn't structured to be a cinch for consumers to challenge. But Chex Systems is required to remove incorrect data from their list. The Guide to Get Off Chex Systems takes you through the somewhat complicated process of getting your name off of the Chex System list. Need a checking account soon?

And, just as importantly, when you buy the Guide, you also get two complimentary applications where you are guaranteed the option to open a bank account. These are two non chex system banks that guarantee that you will be 100% approved. The majority of services charge for applications, but not The Guide to Get Off Chex Systems. And the Guide will explain to you exactly how to stand up to Chex Systems and make sure your name isn't on there in error, and to make sure that bad information is removed. Having the ability again to use non chex system banks is not only a realistic option for you, if you were dedicated enough to read through this helpful information than it will be the best option for you.

It’s not easy to stand up to a big credit bureau without the proper tools and information. The first step is to decide that you will not let them rule your future banking. The second step is to click on the author’s link below where you will get more information about the guide and more things you may not have known about the chexsystem daymare.

To learn exactly how to get your name off Chexsystems list and get a 100% guaranteed checking account While In Chexsystems,Visit non chex system banks Now!


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      3 years ago

      Another option is to open a netspend account. You can use it for pretty much everything you'd use a bank for. You can setup direct deposit for checks very easily. The card they give you works everywhere Visa is accepted. You can pay bills, transfer money, setup virtual account numbers for online shopping, etc. You can get $20 added to your account for free by requesting a free card here:

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      4 years ago

      Well ask anna s it was done as now uk ok4 22 2014.thanks.

    • profile image

      joel de percin 

      4 years ago

      request to deleted and removed my to the chex system deletion system service. Thank you.

    • profile image

      Jack Gallagher 

      5 years ago

      They do. If you need an FDIC insured non chexsystems bank account go to - they also provide a chexsystems removal service.


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