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Chexsystem

Moderator Emeritus

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.

Message 11 of 13
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 12 of 13
Highlighted
New Contributor

Re: Chexsystem


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:Apr 2017: EQ - 748
Goal Score: Across the Board: 760
GC Challenge: App Free Since 4/19/2016


Message 13 of 13