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Will disputing with CHEX get deletions?


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17 replies to this topic

#1 eazy_money

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Posted 27 February 2012 - 07:37 PM

I have 2 listings. Wells Fargo and Key Bank. I have had some success getting deletions by disputing with the CRA's for negative TL's. Is disputing with CHEX similar?



#2 eazy_money

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Posted 29 February 2012 - 12:22 PM

37 views and no opinions either way. I sent out a dispute to CHEX today, I will update with results.

#3 mca

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Posted 02 March 2012 - 12:54 AM

37 views and no opinions either way. I sent out a dispute to CHEX today, I will update with results.

Some have been able to be removed and some no.. the older listings come off easier than the new ones. It is worth a try

Edited by mca, 02 March 2012 - 12:54 AM.


#4 Repairerer

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Posted 02 March 2012 - 12:57 AM

My personal experience was that I disputed one negative and it was not removed, but it was updated to paid in full for some reason. (It was not, but the bank had sold it to a collections agency.)

I was then able to get more credit union accounts than I otherwise would have.

#5 eazy_money

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Posted 02 March 2012 - 11:39 AM

I will post my results.

#6 JUPITER2928

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Posted 02 March 2012 - 11:46 AM

I just had one removed. It took about two months, Chex came back that Bank did not respond.... DELETED, thx MCA

#7 eazy_money

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Posted 02 March 2012 - 11:51 AM

How come it took two months? I thought they had thirty days to investigate and respond. Thanks for the ray of hope.

#8 JUPITER2928

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Posted 02 March 2012 - 12:23 PM

I guess after 45 days and no answer, they deleted and mailed me. First thing I learned here is to be patient.

#9 eazy_money

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Posted 02 March 2012 - 12:50 PM

I need to take a page out of your book as far as patience goes.

#10 JUPITER2928

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Posted 05 March 2012 - 10:12 AM

Easy,
Patience.... I just received another deletion in the mail this morning. Dispute and sit back and wait.

Edited by Budmccarroll, 05 March 2012 - 10:13 AM.


#11 New School

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Posted 12 March 2012 - 11:36 PM

Yes patience is key as long as you have a green card you can twiddle your thumbs away lol

MCA has some AWESOME info thank the stars for her checksystemsvictims site... i didnt even know that they cant report after 5 years! i wonder if its the same in all states and if this is a federal law or not..... PS i tried like back in 2003 to get a negative removed from Chex and was unsuccessful .... now that i have the info from MCA i will try again :)

#12 mca

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Posted 19 March 2012 - 02:16 PM

Yes patience is key as long as you have a green card you can twiddle your thumbs away lol

MCA has some AWESOME info thank the stars for her checksystemsvictims site... i didnt even know that they cant report after 5 years! i wonder if its the same in all states and if this is a federal law or not..... PS i tried like back in 2003 to get a negative removed from Chex and was unsuccessful .... now that i have the info from MCA i will try again :)

well they technically can report for 7yrs but they choose to remove after 5

#13 eazy_money

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Posted 28 March 2012 - 05:24 PM

My results are in and all info was verified.

#14 mca

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Posted 29 March 2012 - 01:47 PM

My results are in and all info was verified.

Is everything on the report accurate?

#15 eazy_money

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Posted 29 March 2012 - 02:29 PM


My results are in and all info was verified.

Is everything on the report accurate?


Yes, it's all accurate.

The good news is I opened an account with BoA on 3/9/2012 inside a branch. I told them I was on chex and ews but have an account with Chase that started as a second chance account 20 months ago and has since been upgraded to a regular account and is in good standing with a little money in it. I made an opening deposit of money I would not mind being tied up if they closed me and have been making deposits once per week on my payday. As of today its still open. I have to admit it's not what i wanted, I want to get into a credit union and start building a relationship there. I do however have a secured card from BoA that I opened back in January 2012 so its kind of the same thing. I will just be patient until these Chex entries fall off and join a CU then. Thanks again for your help.

#16 mca

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Posted 29 March 2012 - 09:31 PM



My results are in and all info was verified.

Is everything on the report accurate?


Yes, it's all accurate.

The good news is I opened an account with BoA on 3/9/2012 inside a branch. I told them I was on chex and ews but have an account with Chase that started as a second chance account 20 months ago and has since been upgraded to a regular account and is in good standing with a little money in it. I made an opening deposit of money I would not mind being tied up if they closed me and have been making deposits once per week on my payday. As of today its still open. I have to admit it's not what i wanted, I want to get into a credit union and start building a relationship there. I do however have a secured card from BoA that I opened back in January 2012 so its kind of the same thing. I will just be patient until these Chex entries fall off and join a CU then. Thanks again for your help.



Where do you live? Zip code?

#17 eazy_money

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Posted 17 April 2012 - 01:17 PM

This is an update to my update. If you recall I had Wells, Key, and RJM for Wells. The Key is 2011 the wells and rjm are 2008. I got a letter yesterday form CHEX that states they have removed the Key listing because Key did not respond! So now I am down to 2 listings. Whats interesting is that the remaining entries are much older and much less money. So to answer my own question, Yes you can get deletions by disputing with CHEX!

#18 mca

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Posted 20 April 2012 - 12:19 AM

This is an update to my update. If you recall I had Wells, Key, and RJM for Wells. The Key is 2011 the wells and rjm are 2008. I got a letter yesterday form CHEX that states they have removed the Key listing because Key did not respond! So now I am down to 2 listings. Whats interesting is that the remaining entries are much older and much less money. So to answer my own question, Yes you can get deletions by disputing with CHEX!

Thanks for the update and yes it can happen and does all the time




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