chex systems removal?

[jordanhand]

My lease for my car is coming up and im looking to buy a car and hoping to get a loan through a credit union so I would like to join one now and build up a relationship with them. However I am bad in chex systems with chase from my savings account but still have a checking account with them....

Anyone know how I go about getting out of chex systems? Do I contact Chase or chex system?

Anyone had luck with this before or a sample letter?

[Anonymous]

If it has been 7 years since the debt then it will automatically come off Chex System.

If it hasn't been 7 years then you will need to pay Chase and ask them to remove you.

Typically, Credit Unions will approve you even if you are in chexsystems. I know DCU won't. But, I do know that PenFed will approve you in ChexSystems cause, I just got approved.

I bank with a local credit union and also have an account that  I just opened at PenFed and had no problem.

[Whitneyy]

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@Anonymous wrote:

If it has been 7 years since the debt then it will automatically come off Chex System.

If it hasn't been 7 years then you will need to pay Chase and ask them to remove you.

Typically, Credit Unions will approve you even if you are in chexsystems. I know DCU won't. But, I do know that PenFed will approve you in ChexSystems cause, I just got approved.

I bank with a local credit union and also have an account that  I just opened at PenFed and had no problem.

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It's actually 5 years for chexsystems.

I have my car through a credit union and I am in chexsystems. Next year makes a year that I've had my car. The credit union just told me they won't open a physical account with them until everything is cleared up with my chexsystems which it will be next year.

[Whitneyy]

You can also try to contact Chase since you still have an account in good standing with them and see what they can offer you, good luck!

[dashpt]

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@jordanhand wrote:

My lease for my car is coming up and im looking to buy a car and hoping to get a loan through a credit union so I would like to join one now and build up a relationship with them. However I am bad in chex systems with chase from my savings account but still have a checking account with them....

Anyone know how I go about getting out of chex systems? Do I contact Chase or chex system?

Anyone had luck with this before or a sample letter?

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I just got approved from the CU for state employees....been in check system about 6 years now...

[Whitneyy]

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@dashpt wrote:

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I just got approved from the CU for state employees....been in check system about 6 years now...

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Are you sure you're still in it? 

[dashpt]

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@Whitneyy wrote:

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@dashpt wrote:

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I just got approved from the CU for state employees....been in check system about 6 years now...

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Are you sure you're still in it? 

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well i dont know but i went in 2009 and i was told its 7 years before its deleted so I assume i'm still in....around 2012 i tried opening a checking account and was denied...so maybe I still am....

[Whitneyy]

https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm 

Go there to check your status, they'll mail you your report within 5-7 business days.

[Anonymous]

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@dashpt wrote:

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@Whitneyy wrote:

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@dashpt wrote:

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I just got approved from the CU for state employees....been in check system about 6 years now...

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Are you sure you're still in it? 

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well i dont know but i went in 2009 and i was told its 7 years before its deleted so I assume i'm still in....around 2012 i tried opening a checking account and was denied...so maybe I still am....

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It's actually 5-years.

[dashpt]

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@Anonymous wrote:

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@dashpt wrote:

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@Whitneyy wrote:

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@dashpt wrote:

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I just got approved from the CU for state employees....been in check system about 6 years now...

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Are you sure you're still in it? 

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well i dont know but i went in 2009 and i was told its 7 years before its deleted so I assume i'm still in....around 2012 i tried opening a checking account and was denied...so maybe I still am....

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It's actually 5-years.

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oh ok thank you...so i guess i'm out now then....good to know....