Reply
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Chexsystem


Lzzybeth wrote:

llecs wrote:

I'd GW Chase and CapOne. They should each have a banking department, or try the address reporting on Chex. Or sit down at a branch if nearby and see if a manager can help. I too had that and my bank gladly made the calls to get it removed. Also, I think the CRTP on Chex is 5 years, or at least IME.


No go with that one.

FYI - I tried GW with Chase on 2 WAMU banking accounts that went into collection and were paid off. I emailed their CEO and then received a phone call from the Executive Office (I emailed their CEO), the person I talked to stated that "only if it were a bank error would they remove the tradeline(s) reporting from ChexSystems."

So, I'm stuck with these 2 accounts until they fall off in August of 2013. It was worth a shot, due to the GW success I've seen others have with Chase!


I certainly wouldn't give up. I can't speak to Chex specifically, but there are several success stories in here of Chase deleting lates and even COs off the 3 main CRAs. IMO, always avoid the CEO and other higher ups.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Chexsystem

I'm a success with GW chase, just sent to the address on my CR.   Don't recall how many, but was quite a few.  Think they got tired of messing with me.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
Lzzybeth
Posts: 50
Registered: ‎03-13-2008
0

Re: Chexsystem

[ Edited ]

llecs wrote:

Lzzybeth wrote:

llecs wrote:

I'd GW Chase and CapOne. They should each have a banking department, or try the address reporting on Chex. Or sit down at a branch if nearby and see if a manager can help. I too had that and my bank gladly made the calls to get it removed. Also, I think the CRTP on Chex is 5 years, or at least IME.


No go with that one.

FYI - I tried GW with Chase on 2 WAMU banking accounts that went into collection and were paid off. I emailed their CEO and then received a phone call from the Executive Office (I emailed their CEO), the person I talked to stated that "only if it were a bank error would they remove the tradeline(s) reporting from ChexSystems."

So, I'm stuck with these 2 accounts until they fall off in August of 2013. It was worth a shot, due to the GW success I've seen others have with Chase!


I certainly wouldn't give up. I can't speak to Chex specifically, but there are several success stories in here of Chase deleting lates and even COs off the 3 main CRAs. IMO, always avoid the CEO and other higher ups.


 

I've contacted Chase, the collection agency that held the two collections and ChexSystems. All of which say they won't or can't delete them.

I should mention that these two paid collections aren't reporting to any of the CRAs, they only show up on my ChexSystems report. Like the OP, I too had an issue trying to open a new bank account because of the ChexSystems report. I figured a GW was worth a try to get them to go away! Especially if I wanted to open a new credit line with Chase or AMEX, since they also pull one's ChexSystems report.

In the end, they fall off next August and I won't be in a better position credit score wise until then. So I'm alright with them still being on my ChexSystems report.


Starting Score: Jan 2012: EQ - 624
Current Score:Jul 2014: EQ - 652
Goal Score: Across the Board: 720
Take the FICO Fitness Challenge
GC Challenge: App Free Since 12/28/2012 and No Apps Until ...

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+