will ews and chexsystems hinder me from getting CL and Bank Accounts?

[Anonymous]

Just wondering if anyone knew if it will be impossible to get credit lines and bank accounts with ews and chexsystem. Just received my discharge letter 12/29/2014

[gdale6]

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@Anonymous wrote:

Just wondering if anyone knew if it will be impossible to get credit lines and bank accounts with ews and chexsystem. Just received my discharge letter 12/29/2014

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If you have entries in Chex send them a letter demanding removal of them along with a copy of your discharge. Welcome to the board

[Taoron]

Here's a letter I sent them after I ordered a copy of Chexsystems report and they cleared it.

July 22, 2014

ChexSystems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Fax: (602) 659-2197

To Whom It May Concern:

My bank has informed me that there is negative information reported by <blank> included in the file Chexsystems maintains under Consumer ID: <blank>. Upon ordering a copy of the report, I see an entries for various banks I have had in the past. (list reported bank accounts)

I filed for bankruptcy chapter 7 on <date>, and had it discharged on <date>.

Please validate this information with the attached bankruptcy discharge papers. I am requesting the removal of these items per your policy, please. Would you also please provide me an updated copy of my Chexsystems report showing removal of said items. Thank you!

My contact information is as follows:

<name>

<address>

Sincerely,

<name>

[Anonymous]

Ok. Will do. What about a  false report of "suspected fraud alert"? What needs to be done about that? Do Credit Card companies look at this?

[Pway]

Credit card companies do not look at your check systems report.  If there is a false fraud alert placed on your profile it will hinder you from getting instant approvals when applying for credit.  I would contact the credit bureaus or check systems and they will need to confirm your identity.  Maybe by faxing or sending documents confirming your identity and removing the suspected fake fraud alert from your profile.  

[SSH0126]

Still reading up on the difference between the two but will this letter work for EWS?

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@Taoron wrote:

Here's a letter I sent them after I ordered a copy of Chexsystems report and they cleared it.

July 22, 2014

ChexSystems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Fax: (602) 659-2197

To Whom It May Concern:

My bank has informed me that there is negative information reported by <blank> included in the file Chexsystems maintains under Consumer ID: <blank>. Upon ordering a copy of the report, I see an entries for various banks I have had in the past. (list reported bank accounts)

I filed for bankruptcy chapter 7 on <date>, and had it discharged on <date>.

Please validate this information with the attached bankruptcy discharge papers. I am requesting the removal of these items per your policy, please. Would you also please provide me an updated copy of my Chexsystems report showing removal of said items. Thank you!

My contact information is as follows:

<name>

<address>

Sincerely,

<name>

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[Anonymous]

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@Pway wrote:

Credit card companies do not look at your check systems report.  If there is a false fraud alert placed on your profile it will hinder you from getting instant approvals when applying for credit.  I would contact the credit bureaus or check systems and they will need to confirm your identity.  Maybe by faxing or sending documents confirming your identity and removing the suspected fake fraud alert from your profile.  

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My brothers CC app from NFCU was denied because of his chexsystem report.  He had written some checks that bounced at a different bank where his account was closed etc.  It is still unsettled, but nothing shows on his credit report.