ChexSystems removal success, via BK7

[Anonymous]

The phone and fax number are both on page 4 of this thread. Hope you don't have to call tho I always have a hard time hearing and understanding them.

[Anonymous]

If you already know about these accounts before filing chapt 7 then they would be included wouldn't they? I owed a credit union some money and also had a couple payday loans and they were added to our chapt 7. We have had the same bank accout for the last 2-3 years and didn't have an issue opening one. I don't have any issue's writing a check at a store either. DO I need to call chexsystems and telechek too once we are discharged? Just curious now.

[Anonymous]

Hi guys, I know it's been some time since this conversation was started/active so I am hoping that somebody can provide me with a little assistance. I recently ordered my Chexsystems report which has a couple of closed accounts on it, I was reading different sites regarding methods of item removal when I came accross this forum and I just happened to also file bankruptcy I had my meeting of creditors a week ago. My question is what bankruptcy form is sufficient to send to Chexsystems? I also just went over my chapter 7 petition and noticed that the two accounts listed on Chexsystems aren't included in my bankruptcy I'm not sure if this is because I no longer owe them for some reason (I would be very surprised if this were the case) or my dump truck attorney didn't get them on there for some reason. Will my filing bankruptcy simply be enough for Chexsystems to remove the items when accompanied by a letter demanding removal? Thank you guys for any help you may be able to provide, I look forward to using the resources available on this site. Thanks in advance. 

[Anonymous]

I have been in the process of cleaning up my reports, Chex being one. Before I filed I knew I had two accounts, one with Chase and BocA listed on there. I included them in my list of debts. Last week when I ordered my Chex report to start disputing, or just sending my BK info, they were already gone. My discharge is not happening til later this month. Now for EWS, just filed a dispute with their department on the bofa account which had a negative amount left from an atm withdrawal. It lists as "transacting or attempting to transact with an account in an unauthorized manner". Because of this info, I can not open an account with any bank that checks EWS, which is almost all big banks. Its a bummer bit will follow up on my success if I have any.

[Anonymous]

I just received my checksystems report and there was nothing negative on it but there are 2 places when I go to write a check they refuse to take my check but cant tell me why. Is there another place i should be checking? Also what is Early Warning Services and should I also contact them and get a report? Thanks

[Anonymous]

Telecheck is what is stopping you from writing a check most likely. I would call and order a report with them as well as Early Warning. To start the disputing process if negative info is found.

[Anonymous]

Sorry, EWS is similar to chexsystems, owned by some very large banks. They seem to report on more than just negative balances as well. They also keep info for 7 years. 

[Anonymous]

Ok so I just called Telechek to have them check if there was any negative info and they checked by social #, Checking account and drivers license and nothing derogatory. Last place to check I guess is EWS.