ChexSystems Removal Kit TM 2017 Edition

Off ChexSystems in 2 weeks, guaranteed. The most trusted kit for ChexSystems removal. Includes the exact documents and easy-to-follow instructions that will get you off ChexSystems so you can start banking again.

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How to Get Out of ChexSystems Including Sample Letter

Sometimes banks make mistakes. If you believe you have been wrongly reported to the ChexSystems, there are steps to follow to dispute the entry. The bank and the information provider are legally obliged to correct any inaccurate information in your ChexSystems report. The steps to follow are outlined below:

Step One

Obtain a copy of your report and review it thoroughly. Look out for any information and detail which may be inaccurate. If you find any details which are not correct you need to take steps to get it corrected by providing some documentation in evidence.

Step Two

Write to ChexSystems to inform them of the information you have found to be inaccurate. Make sure you provide documents with the letter as proof of your claim. Layout your letter clearly and itemize all the detail you are contesting and explain why you want information corrected or removed entirely. You could include a copy of your report with the areas you are contesting highlighted.

Step Three

Always make sure you use certified mail to send your letter and request proof of posting. This is to ensure that there is a record of you sending stuff to ChexSystems and that they received everything. Keep copies of everything you send to them as part of your records.

You could also contact the bank or credit unions involved directly and make requests they amend the information provided to ChexSystems. You can also handle disputes by telephone and you should be prepared to explain why and provide documentation.

What will ChexSystems do?

When you send your documentation for a dispute to ChexSystems they are required by law to carry out an investigation within 30-45 days. If they deem a dispute to be frivolous ChexSystems may decline to carry out an investigation. ChexSystems will pass all the information and documentation you provided to the reporting institution. The reporting institution will launch an investigation on its own. They will then report their findings back to ChexSystems and if the disputed information is indeed inaccurate, they will notify ChexSystems so they can remove the contested information.

If the information you are disputing is verified to be accurate then it is added back into your report. However if ChexSystems report that the information was verified as inaccurate but no deletions have been made, you will need to send a Procedural Request letter. After each investigation ChexSystems must provide you with a free copy of your current report if there has been a change.

Failure to respond within the 30-45 day window after receiving your dispute the next step is to send a Demand for Removal letter to them. If they do not respond it means the information they hold about you is not verified so they must remove it from your record.

Even when a dispute does not provide any results they may place a few notes in your report to detail the objections you have.

Sample Dispute Letter

Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have highlighted the items I dispute on the attached copy of the report I received. This item ( identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: ( List of enclosed documents.)
Full version and exact letters are available in our ChexSystems Self-Help-Kit.


  • John Fredericksen

    yes I would like TALK to a real person,this is a big deal,TCF BANK SAYS I OWE THEM MONEY I CAN PAY ALITTLE LESS IF I SETAL .I OWE 169.35$ BUT IF I BREAK,I CAN PAY 135.48$ BUT THIS GOES BACK FROM ALONG TIME AGO,SEE I OWED TCF BANK SOME MONEY FROM LIKE2010-2011?? ANYWAY NOW I HAVE A VERY GOOD BUSINESS BUT THEY NEVER TOOK ME OUT OF YOUR SYSTEM..SO I WANT TO KNOW WHAT TO DO,I UNDERSTAND WHY YOU DONT HAVE PEOPLE ANSWERING PHONES,YOU WOULD GET NOTHING DONE,I HAVE A ATTORNEY AND HE SAYS TO TALK TO TCF BANK WITCH TOOK ME TO ANOTHER BUSINESS,TCF BANK NEVER TOOK ME OUT OF THE SYSTEM FROM WAY BACK IN 2010,I WOULD LIKE TO GO OVER SOMETHINGS,I AM ON THE COMPUTER WAY TO MUCH,BOTTOM LINE---WHY PAY WHEN YOU DONT GET OFF CHECK STSYMES, FEEL FREE TO CALL ME AT 720-403-6378,I WANT TO HEAR FROM SOMEONE IF POSSIBALE,THANK YOU// JOHN FREDERICKSEN,,,P.S. I HAVE PAID MY DEBT BACK IN 2011 I THINK,BUT I KNOW I PAID,WHY DID NO ONE TAKE ME OUT BACK THEN?? 1 I CLOSED ALL ACCOUNTS ON 2-1-17,SO WHY DID TCF LET THINGS GO THROUGH

  • Margaret R.

    I need to get removed from ChexSystems! What can I do?

    • Mark (Staff)

      You can contact ChexSystems directly by calling 1-800.428.9623. In some cases, you can get your record cleared, though it can be a challenge. If ChexSystems does not clear your record, it will clear automatically after five years of good behavior.

  • Bern Lueros

    Call me lazy, but I’m not going to fight this. I don’t want the headache. I’ll just get a second chance checking account and be done with it.

  • Raulnayak

    You’re not the only one. I did the same thing. It’s been so much practical.