Just wanted to update that it does work!!! I got my letter today " Please be advised that based on the bankruptcy filing, the information listed above has been removed from your customer file at Chexsystems " !!!! I'm so glad I'm finally off!! I had two accounts on the one with WAMU which fell off earlier this year after five years and unfortunately Wachovia reported me in 2010 for a stupid move on my part on some NSF activity but now thats been removed.. I'm glad that off my record now and I get a fresh start with banking too!!