Chexsystems -- Help writing a Cert. Verification Letter

[Smart-Aleck]

Hello Guys,

I just moved out of state for a new job and I am trying to setup a bank account at a local branch. They pulled some information on me from Chexsystems and said that I would have to get my record cleaned up before they could open an account for me.

Should I have tried opening the account without a SSN so they couldn't pull the info? Has anyone done this yet?

I have my report from Chexsystems and I have called them asking for certified verification that the banks with the accounts they are reporting were allowed to give them information. Of course the dummy on the phone was no help, and I am sure I should send docs certified mail. Can someone help me with my verbage on what I should be telling these guys to get my information removed from their systems?

Thanks!

[Judge Roy Bean]

Originally Posted by Smart-Aleck

Hello Guys,

I just moved out of state for a new job and I am trying to setup a bank account at a local branch. They pulled some information on me from Chexsystems and said that I would have to get my record cleaned up before they could open an account for me.

Should I have tried opening the account without a SSN so they couldn't pull the info? Has anyone done this yet?

They won't open an account without your SSN and using a bogus one could land you in serious legal trouble.

Originally Posted by Smart-Aleck

I have my report from Chexsystems and I have called them....

That, as you know, was your second mistake. Never do anything with these firms over the phone

Originally Posted by Smart-Aleck

.....asking for certified verification that the banks with the accounts they are reporting were allowed to give them information.

They wouldn't know what you're talking about because there is no such thing. The bank or banks that supply Chexsystems with information have been doing so for years.

Originally Posted by Smart-Aleck

Of course the dummy on the phone was no help, and I am sure I should send docs certified mail. Can someone help me with my verbage on what I should be telling these guys to get my information removed from their systems?

There is really nothing you can tell them to remove valid checking account activity records from their records. Even if what is on the report is bogus, you may find you have to sue them AND the bank that reported you to get their attention.

Given the amounts involved, small claims court may be your least costly and time consuming path if you have evidence that the information being reported is bogus.

Originally Posted by Smart-Aleck

Thanks!

[charlesa6]

Originally Posted by Smart-Aleck

Hello Guys,

I just moved out of state for a new job and I am trying to setup a bank account at a local branch. They pulled some information on me from Chexsystems and said that I would have to get my record cleaned up before they could open an account for me.

Should I have tried opening the account without a SSN so they couldn't pull the info? Has anyone done this yet?

I have my report from Chexsystems and I have called them asking for certified verification that the banks with the accounts they are reporting were allowed to give them information. Of course the dummy on the phone was no help, and I am sure I should send docs certified mail. Can someone help me with my verbage on what I should be telling these guys to get my information removed from their systems?

Thanks!

Chexsystems, they are like CRA, you have to ask them to investigate the derogatory in your record. Lesson#1; never communicate with one of these bureaus by telephone, always put it in written.

The list companies can open account for you, without chexsystems inquires:
1. Http://www.New.checkingAccount.com Free chexsystems,Telecheck, and Scan Removal.
2. Http://www.Newbankaccount.net
3. Http://www.accountnow.net
4. http://www.creditservicer.com

[REDCLOUD]

Chexsystems, they are like CRA, you have to ask them to investigate the derogatory in your record. Lesson#1; never communicate with one of these bureaus by telephone, always put it in written.

The list companies can open account for you, without chexsystems inquires:

Excellent data. The use of chexsystems to open bank accounts has become one of the most disgusting practices of our time. Also, many state chartered banks do not use chexsystems either. These are best found in small rural areas. Also, many credit unions are chexsystems free as well. If you can find a small savings and loan they too are good sources, although not many are left.

[Paul88]

Originally Posted by charlesa6

Chexsystems, they are like CRA, you have to ask them to investigate the derogatory in your record. Lesson#1; never communicate with one of these bureaus by telephone, always put it in written.

The list companies can open account for you, without chexsystems inquires:
1. Http://www.New.checkingAccount.com Free chexsystems,Telecheck, and Scan Removal.
2. Http://www.Newbankaccount.net
3. Http://www.accountnow.net
4. http://www.creditservicer.com

Did you use any of these? I would hate to put my hard earn FRN's in there and then find them go away without notice? Also, do they provide any safehouse for my FRN's from debt collectors?

[Judge Roy Bean]

Originally Posted by Paul88

....Also, do they provide any safehouse for my FRN's from debt collectors?

Not really. If they want to stay in business they'll roll over to any judgment against you presented to them and they'll respond to subpoenas as well. Most of them will cooperate by providing information even without a court order.