Reply
New Visitor
Lebada3
Posts: 1
Registered: ‎02-15-2014
0

Chexsystems help me get out.

I had 1800$ charged off with Chase in 2010. I paid this off, and later this thing got removed from my Chex. I simply asked them to provide me with detailed evidence of the debt owned. They failed, and then removed it.

 

 

I had 200$ charged off with BoA in 2009. Paid it off in 2013 IIRC. Chex does simply not want to remove this. I have asked them to provide me with detailed evidence of the debt owned, and they simply say they verified the debt and that it's accurate, but they provide no evidence. They tell me to either provide Police Report or it stays there. Also to note, I also wrote BoA to remove, negative response from them as well. 

 

Police report is out of the question, as they want everything including DNA samples from you. No go. 

 

From what I understand my only hope is to take Chex to Small Claims Court for the 200$ negative from BoA. Good idea? Anybody else done this? The debt is valid, and was paid off, but then again so was the one from Chase and they removed it. I need bank accounts badly. Advice please on taking Chex to SCC for the 200$ BoA negative mark. 

 

 

 

Community Leader
Valued Contributor
user5387
Posts: 1,794
Registered: ‎07-01-2010
0

Re: Chexsystems help me get out.

There are a variety of "second chance" checking accounts available at various banks and CUs.

 

Regular Contributor
MortgageMinded
Posts: 196
Registered: ‎01-24-2014
0

Re: Chexsystems help me get out.

[ Edited ]

user5387 is right, Banks like Wells Fargo have second chance checking in case you get flagged by CS. Then it's 5 years from when your account was reported to them.

 

Most people don't find out about CS until they are already on it.


Starting Score: Jan 2014 EQ: 595 TU: 575 EX: 550
Current Score: May 2014 EQ: 623 TU: 644 EX: 600
Goal Score: 650


Take the myFICO Fitness Challenge
Established Contributor
randyrhodes
Posts: 587
Registered: ‎12-18-2013
0

Re: Chexsystems help me get out.

Chex systems will have to remove it if you've sent a receipt of the paid account. Have you done this?
Regular Contributor
Officer737
Posts: 149
Registered: ‎01-02-2008
0

Re: Chexsystems help me get out.

U.S. Bank is real good about second chance bank accounts. If you go the police report route, just tell them you want an information report only not a full offense report. They will give you a case/event number and put your statement on paper. Some agencies might say it is a civil matter and not do anything though.


Starting Score: 502
Current Score: 6-9-2014 CK TU 604, EX 637, EQ 602
Goal Score: 700


Take the myFICO Fitness Challenge
Valued Member
welshdave86
Posts: 26
Registered: ‎02-04-2014
0

Re: Chexsystems help me get out.

I'm a Personal Banker and with a Chargeoff from 2009 we always help out. Depending on each situation, it's either a Savings account for a while or a Checking with no Debit Card for 60 days...  

 

Good luck!

EQ - 735
EX - 717
TU - 707

Chase Freedom $7000 | Disover IT $5500 Capital One Quicksilver $1200 | Amazon Store Card $650 2% UTL | Ford Credit Auto Loan - 2 years old | AAoA - 18 months

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+