Many believe that paying the reporting bank(s) any money owed will remove them from chexsystems. 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.
If you are considering a pay for deletion go here
Many people feel as if they have been found guilty without a trial when they find out they have been reported to chexsystems.
Most people search online for facts and assistance to be removed from chexsystems.
While there are some places that will try to sell you a service to remove you from chexsystems, the fact is that there is NO GUARANTEE for removal, so do not be scammed. Chexsystems is a credit reporting agency the same as Equifax, Experian and TransUnion. It is your right to a free annual chexsystems report the same as all other credit reports. But because chexsystems is a credit reporting agency, there can be no guarantee of removal. If your report shows a date older than 5 years then you should already have been removed. If for some reason the record was not removed, you should not file a dispute. Instead send in a letter that requests removal due to the report being more than 5 years old.
-How to get your free chexsystems report
Again, it is your right to dispute your chexsystems report.
1. It does not matter if you still owe the reporting bank(s)
2. It does not matter what the report indicates (fraud, nsf, account abuse etc)
3.It does not matter how old your report is
We have been helping those reported to chexsystems since 1999. We are a group of people dedicated to helping others and putting a stop to companies that try to prey on the Victims of Chexsystems.
On this site you will learn how to dispute with chexsystems and here you can get free sample letters to help you through this process.
Why do we help??
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.
Here are some testimonals of those that have been successful from our forum:
It's not. The reporting banks ARE the devil. They're THE reason why you're on Chex in the first place - because they reported you, duh! Chex is merely a corkboard; stuff can be posted, and stuff can be taken down. The goal is to have a blank corkboard. You just have to do two simple things to get started: order your report and then dispute, dispute, dispute!
In March 2009, I had no less than SIX entries. As of my latest report for May, I'm now down to just TWO. Two! How? Through relentless disputing and also by operation of law, such as the 30-day (21 in Maine) no-response rule.
So for those of you who have just 1 or 2 entries on your record, the 10 minutes it takes to fill out your dispute form might just result in your 1 or 2 entries falling off the face of the earth after a month or less - which means you are no longer "on" ChexSystems!
And you know what that means, don't you? It means you can walk into any NEW bank with your head held high, sit down at the new accounts desk and flash a big, proud smile that silently says, "go ahead and run it - my record is spotless!"
In other words - turn your slight misfortune around by making ChexSystems work FOR you, not against you.
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Wow..i'm glad you posted your experience! Thanks! I had 2 chex entries. One from bofa and citibank. I finally disputed them 2 weeks ago and got 3 letters in the mail. One stated that "prior to receiving your communication, the information submitted by us by BofA was deleted at the request of the source of the information." I was like..WHAT??? They were my newest chex entry and i thought they would be the worst to get off! Whatever happened, i'm happy about it. 
Second letter stated, we are still investigating Citibank and will contact you after the investigation is completed. I'll just have to wait and see..but thanks for making me a feel a little better. To know that you had success!
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Gotta use the right words, Order a new report again and (if they're still there), fill out the dispute form but this time, write the words NO EVIDENCE OF DA DA DA whatever it is they're reporting you for.
Like I said on another thread, if it's a small enough balance you can pay off anyway, pay it and get a receipt. Then write NO EVIDENCE OF DEBT OWED - MUST DELETE. Because you paid, they won't have any evidence that you have a debt balance anymore, and them reporting that you have a debt owed is inaccurate information and therefore must be deleted. Never, ever write "balance paid." This may just merely update the debt status of your entry - so you're entry would still be there and that's definitely not the goal here. The key defense is their inaccuracy plus lack of evidence, which are grounds for deletion.
As for fraud, oh THAT is the easiest. I disputed my BofA fraud entry without even any additional statements and voila it disappeared like a bubble.
But yes, BofA is the root of all evil. On the other hand, a good, clean chexsystems record is your jumping off point to start a relationship with any other bank you want...and even open accounts instantly online.
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well folks...here's an update on my dispute. Received a long letter from chexsystems stated that Citibank failed to validate the information on time so therefore "WE HAVE REMOVED THE ENTRY FROM YOUR CONSUMER REPORT!" Yeh!!!! So now I'm chexsystem FREE!!! But they did indicate that if they do verify it and it is accurate they will put it back on my report, but will send me a letter when and if it happens. I have been disputing my chexsystem report and baddies on my credit report at the same time. I got some bad news from Transunion stating that one of my dispute was "frivilous" (it's okay, i did my research and have the perfect letter to send them!) but overall today was a great day once i opened up the chexsystem letter. Thanks for all the help, guidance and advice. I wouldn't have known to do any of this without all you kind people. Thanks! I'm on my road to "recovery". 
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As I suggested on another thread, when you order your chex report and there's only one entry there, and there's a small enough balance that you wouldn't mind paying anyway:
a) Pay off that balance and get a receipt; and
B) Then fill out the chex dispute form and specificy that you're disputing that particular account, the reason being - INACCURATE INFORMATION. NO EVIDENCE OF DEBT OWED. MUST DELETE.
The above "wording" takes advantage of the investigation process and the laws regulating inaccuracies and evidence:
a) Chex will challenge the bank to verify the accuracy of the debt owed;
B) Because you paid it, and you have proof of payment, the bank digs into their records and realizes that they had listed inaccurate information; and
c) Because you paid it, the bank will fail to provide evidence of the debt owed and they are required to delete it.
In any case, if the bank fails to respond to Chex within 30 days (21 in ME) anyway, it gets deleted by Chex without further ado.
Good luck!
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Hi,
About 2 months ago, I got tried to open an account at Wachovia and was denied because of my chexsystems report. I requested a copy of my consumer report from chexsystems and it showed a fraud charge from Bank of America which I had been told by customer service in the security department would not be held against me. So I filled out the form send in the consumer report and sent it back. Yesterday (which was about 3 weeks after I sent the dispute) I got a letter and another consumer report from chexsystems stating (and showing) that the charge had been erased. I was very happy and also surprised because it happened after just one letter to them.
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Well after being a complete pain in the behind for the past 27 days I received a notice from BOA today that they are removing my file from Chex Systems and EWS.
They are claiming they will not reopen my accounts with them (like I would want to at this point) but all reports to Chex and EWS will be removed. Now I just have to wait for verification from Chex Systems that they were removed.
I want to thank MCA and everyone here for the information posted. This came shortly after I sent a scathing letter and several documents proving that their "Suspected Fraud" reporting was unfounded to the CEO of BoA (whose address I got from MCA). I figure he got the packet certified, wondered why he had to deal with this and told some underling to get rid of me.
So once again, thanks to everyone here. Today is a good day.
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Hello,
I did it. I wrote the letter from the template that you gave me and I got my name removed from
Chexsystem. I have since opened a checking account!!!! Thank you, thank you, thank you!!!
Andrea
