If you have issues with ChexSystems, and just want to know how to get removed from ChexSystems once and for all, you need to be prepared for a lengthy process if you try to accomplish this on your own. Many people fight with ChexSystems for years trying to get incorrect information removed, but fail due to erroneous filing of documents or not performing the correct steps within specific time frames.
Consumer Filing Services is designed to help you conquer the challenge of getting off of ChexSystems by providing you with support and knowledge along with document filing and legally grounded assistance in clearing your name.
Steps for Filing ChexSystems Disputes
Consumer Filing Services can help you legally dispute the information on your ChexSystems report. Although you can do it yourself, it’s not always the easiest process and can be frustrating and disheartening when you end up fighting with representatives who just don’t care. It can also be a very lengthy process if you don’t perform steps in the right order, file the correct paperwork, or clog up the system with multiple demands.
Chexsystems is Required to Follow up on all Disputes
ChexSystems is not allowed to completely ignore you. However, they have up to thirty days (twenty if you live in Maine) to respond. They won’t work hard to clear you – their profit doesn’t benefit from doing investigations, and they’ll be more apt to attempt to verify information from the original source than to look for mitigating documentation or delve deep enough to find an error. Since the error may lie in the original source, all this may do is cause a game of pass the buck to begin.
DIY ChexSystems Dispute
If you do decide to call Consumer Filing Services to dispute items on your ChexSystems report, you can obtain their Request for Reinvestigation form online. They will only accept these forms via the US Postal Service or by fax. Of course, you may want to pay extra for facsimile delivery confirmation or for proof of delivery via USPS, as nothing is more frustrating than hearing “We never got it.” Their mailing address, fax number, and necessary forms are available on their “Consumer Assistance” website.
Consumer Statement Forms
If ChexSystems replies and says they “validated” your debts you can still address them by submitting a Request for Consumer Statement form. A consumer statement lets you explain your side of the story, and you can present it to bank managers and other people who may have the power to reverse decisions made solely on the basis of an existing ChexSystems report.
By taking the time to explain the debt to potential reviewers, you might be able to help them make a positive final decision regarding your credit-worthiness. Consumer Filing Services can help you with this process as well.
Of course, it’s better to not be on ChexSystems in the first place then to end up in the database and have to dispute ChexSystems reports. Carefully managing your money and banking habits is sadly not foolproof, however. You may end up in a situation that requires you to request your free annual report so you can check for, and dispute, any fraudulent or erroneous items. If you find any, the fastest path to resolution is to take advantage of the help CFS can provide!