
This site is dedicated to helping those reported to Chexsystem as well as Telecheck and Early Warning Services (EWS. Whether you are looking for a bank or credit union that does not use them or you want to file a dispute to be removed, I can help you.
There are many websites that will sell you the information that we provide here for free. Many have been found to be selling our exact lists. Others claim to gurarantee removal. Because chexsystems, telecheck and Early Warning Services (EWS) are credit reporting agencies, there is no guarantee for removal but I can help you to file the proper disputes with sample letters that we will provide to help you fight them!
Many people believe if they pay any debt owed to a reporting bank, that they will then be removed from chexsystems but this is not true.
Many times paying off the reporting bank can cause you to be reported for a longer period of time than you would have been if you had not paid the debt owed. For example: a report that is from 2006 will be removed in 2011. If it is paid the bank can choose to report it 5 years from the date last paid. So for example a debt on a report from 2006 is paid in 2010, the report would not be removed until 2015. This is why I sometimes suggest NOT to pay the debt owed to the reporting bank(s) especially on accounts that are older ones.
This site provides local lists of non-chexsystems banks, chexsystems alternatives, banks and credit unions that make exceptions for those reported to chexsystem as well as information on the policies of bigger banks that many seem to have interest in.
USAA - NO chexsystems
I have been reserarching banks and credit unions for those reported for more than 9 years now. Other sites sell the same information on the same banks that I offer for free.
As far as finding a bank that does not use Chexsystems, the options vary from state to state. While some states have many that do not, other states have only a few. But regardless of where you live, there are options to help everyone. In over 7 years now I have always been able to find a bank for everyone.
I work on my lists on a daily basis and talk to the people I help everyday about the banks they are able to find on my lists. Because of this, I know the best options for those on chexsystems, regardless of where you live in the United States.
We believe Chexsystems is not a fair system.
Many have objected to its reporting practices.
They state the system does not report fairly, and unlike credit bureaus which have both positive and negative information on your credit report;
Chexsystems only contains negative information. This jeopardizes your reputation as a consumer, when you would otherwise be qualified to open checking accounts.
Many people reported to chexsystems may also be reported to Telecheck and Early Warning Services(EWS). This is not always the case but it may be a good idea to see exactly what is reported before looking for an account. There are however some banks that do not use chexsystems, telecheck or EWS. There are some banks and credit unions that use a credit report only. I research and find these banks and credit unions. I have been doing this for more than 9 years now.