Chex system information

[Anonymous]

Does anyone know how long banks can leave you on the chex system for legally and do "GW" letters work often?  I had a bank account that went 300$ negative, and paid it off quite some time ago.  Washington Mutual say that they "will not" remove me for atleast 3 years.  How does this affect me, and what should I do?  It is not mentioned in my credit report. 

[Anonymous]

Chex is 5 years... and WAMU can remove considering the account was cleared -- will they is another story.

[Anonymous]

Sorry, but that is like the pot calling the kettle black. Recently, my daughter wanted to open an account at WAMU. They would not do it until she had something removed from Chex systems from another bank. She had already paid the overdraft but paid them $25 to have it removed. It took like 3 weeks. The information will stay on there for 5 years and they will not remove it unless instructed to do so by the institution that had it put there.

[Anonymous]

Well, the customer service rep, was very rude, and definately did not answer my question.  Lets just say it might have well been a teleprompt.  Every time I call wamu it ends being someone with a heavy foreign accent, and when i ask for a supervisor, they put me on hold, get back on and say "how may I help you?"  as if they were someone else.  This must be a practical joke!  What to do now?

[Anonymous]

By the way, this is Slacount on my hubby's.  He is here with me teaching me how this works.

[Anonymous]

Can you go into a branch and talk to the branch manager? Even send a gw to the president.

[Anonymous]

once again.. . good call!

[Anonymous]

Does this have anything to do with a deployment?

[Anonymous]

nope, its my wifes mishap.  She is civilian.

[Anonymous]

no this happened about 2 years ago, I have been in for 3.5.  I mean i could possibly try that, but again, i am a god-fearing man and I believe in honesty.  Sounds like a good idea but i would carry too much guilt if i did get hooked up.