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?
Will disputing with CHEX get deletions?
Started by
eazy_money
, Feb 27 2012 07:37 PM
17 replies to this topic
#1
Posted 27 February 2012 - 07:37 PM
#2
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
Posted 02 March 2012 - 12:54 AM
Some have been able to be removed and some no.. the older listings come off easier than the new ones. It is worth a try37 views and no opinions either way. I sent out a dispute to CHEX today, I will update with results.
Edited by mca, 02 March 2012 - 12:54 AM.
#4
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.
I was then able to get more credit union accounts than I otherwise would have.
#5
Posted 02 March 2012 - 11:39 AM
I will post my results.
#6
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
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
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
Posted 02 March 2012 - 12:50 PM
I need to take a page out of your book as far as patience goes.
#10
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.
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
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
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
Posted 19 March 2012 - 02:16 PM
well they technically can report for 7yrs but they choose to remove after 5Yes 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
#13
Posted 28 March 2012 - 05:24 PM
My results are in and all info was verified.
#14
Posted 29 March 2012 - 01:47 PM
Is everything on the report accurate?My results are in and all info was verified.
#15
Posted 29 March 2012 - 02:29 PM
Is everything on the report accurate?
My results are in and all info was verified.
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
Posted 29 March 2012 - 09:31 PM
Is everything on the report accurate?
My results are in and all info was verified.
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
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
Posted 20 April 2012 - 12:19 AM
Thanks for the update and yes it can happen and does all the timeThis 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!
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